Home Insurance in El Dorado County, California
Homes in El Dorado County carry a median value of $679,900 - 7% lower than the California median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in El Dorado County was built around 1983. About 12% of homes were built before 1960, about 15 points below California's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in El Dorado County is 83% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
68% of owner-occupied homes in El Dorado County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
El Dorado County has an owner-occupancy rate of 77% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 34% of homes in El Dorado County are primarily heated with natural gas.
Per FEMA's National Risk Index, El Dorado County's top hazards are wildfire (Relatively High), inland flooding (Relatively Moderate) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, El Dorado County has 269 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 | $679,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Relatively Moderate), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 269 |
| 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)