Home Insurance in Colusa, California
With a median home value of $375,000, Colusa is close to the Colusa County median.
The typical home in Colusa was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 6 points above Colusa County's 31%.
Housing in Colusa breaks down to 78% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Colusa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Colusa has an owner-occupancy rate of 60% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Colusa - 51% - are primarily heated with natural gas.
Colusa County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Colusa County had 571 active NFIP flood policies as of September 2026. See the full Colusa County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $375,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Colusa County | 571 |
| 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)