Home Insurance in Calaveras County, California
Homes in Calaveras County carry a median value of $457,200 - 38% lower than the California median.
The typical home in Calaveras County was built around 1986. About 11% of homes were built before 1960, about 16 points below California's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Calaveras County is 88% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Calaveras County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Calaveras County are owner-occupied.
In Calaveras County, 39% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Calaveras County, per FEMA's National Risk Index, are wildfire (Relatively High), winter weather (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Calaveras County has 122 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $457,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 122 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)