Home Insurance in Orland, California
The median home value in Orland is $342,200, close to the Glenn County median.
The typical home in Orland was built around 1984. About 24% of homes were built before 1960, about 5 points below Glenn County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Orland is 80% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Orland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Orland are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Orland - 50% - are primarily heated with natural gas.
FEMA rates Glenn County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Glenn County had 391 active NFIP flood policies as of September 2026. See the full Glenn County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $342,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Glenn County | 391 |
| 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)