Home Insurance in Biggs, California
The median home value in Biggs is $328,400, 23% lower than the Butte County median.
The typical home in Biggs was built around 1975. About 23% of homes were built before 1960, about 2 points above Butte County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Biggs is 88% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Biggs, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Biggs has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Biggs - 73% - are primarily heated with natural gas.
FEMA rates Butte County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Butte County had 1,529 active NFIP flood policies as of September 2026. See the full Butte County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $328,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Butte County | 1,529 |
| 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)