Home Insurance in Colusa County, California
The median home value in Colusa County is $393,400, 46% lower than the California median.
The typical home in Colusa County was built around 1978. About 31% of homes were built before 1960, about 5 points above California's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Colusa County is 82% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 55% of owner-occupied homes in Colusa County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Colusa County has an owner-occupancy rate of 62% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
42% of homes in Colusa County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), wildfire (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Colusa County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Colusa County has 571 active NFIP flood policies on file.
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 | $393,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 571 |
| 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)