Home Insurance in Placerville, California
Homes in Placerville carry a median value of $473,100 - 30% lower than the El Dorado County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Placerville was built around 1975. About 32% of homes were built before 1960, about 20 points above El Dorado County's 12%.
In Placerville, the housing stock is 67% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Placerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Placerville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
37% of homes in Placerville 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.
El Dorado County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. El Dorado County had 269 active NFIP flood policies as of September 2026. See the full El Dorado County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $473,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in El Dorado County | 269 |
| 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)