Home Insurance in Oroville, California
The median home value in Oroville is $311,600, 27% lower than the Butte County median.
The typical home in Oroville was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 21 points above Butte County's 21%.
In Oroville, the housing stock is 66% single-family homes, 18% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oroville, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Oroville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Oroville, 52% 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.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $311,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)