Home Insurance in Gridley, California
Homes in Gridley carry a median value of $312,800 - 26% lower than the Butte County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gridley was built around 1969. About 42% of homes were built before 1960, about 21 points above Butte County's 21%.
In Gridley, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
69% of owner-occupied homes in Gridley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gridley has an owner-occupancy rate of 49% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Gridley, 61% of homes are primarily heated with natural gas.
Butte County had 1,529 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Butte 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 | $312,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)