Home Insurance in Sutter Creek, California
Homes in Sutter Creek carry a median value of $543,800 - 21% higher than the Amador County median.
The typical home in Sutter Creek was built around 1970. About 29% of homes were built before 1960, about 15 points above Amador County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Sutter Creek is 78% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 74% of owner-occupied homes in Sutter Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sutter Creek has an owner-occupancy rate of 55% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Sutter Creek are primarily heated with natural gas.
FEMA rates Amador County's overall risk as Relatively Low, led by wildfire (Relatively High). Amador County had 120 active NFIP flood policies as of September 2026. See the full Amador County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $543,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Amador County | 120 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)