Home Insurance in Rio Dell, California
With a median home value of $301,700, Rio Dell is 32% lower than the Humboldt County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rio Dell was built around 1977. About 31% of homes were built before 1960, about 3 points below Humboldt County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rio Dell is 73% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Rio Dell, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rio Dell has an owner-occupancy rate of 57% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Rio Dell, 56% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Humboldt County had 442 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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 | $301,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)