Home Insurance in Eureka, California
With a median home value of $404,500, Eureka is 9% lower than the Humboldt County median.
The typical home in Eureka was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 26 points above Humboldt County's 34%.
The housing stock in Eureka is 66% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Eureka carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eureka has an owner-occupancy rate of 48% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Eureka - 67% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Humboldt County's overall risk as Relatively High, led by earthquake (Relatively High). Humboldt County had 442 active NFIP flood policies as of September 2026. See the full Humboldt 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 | $404,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Humboldt County | 442 |
| 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)