Home Insurance in Williams, California
With a median home value of $370,000, Williams is 6% lower than the Colusa County median.
The typical home in Williams was built around 1998. About 18% of homes were built before 1960, about 13 points below Colusa County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Williams, the housing stock is 88% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Williams, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Williams are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Williams are primarily heated with electricity.
Colusa County had 571 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $370,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)