Home Insurance in Modoc County, California
With a median home value of $224,700, Modoc County is 69% lower than the California median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Modoc County was built around 1976. About 30% of homes were built before 1960, about 3 points above California's 27%.
In Modoc County, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Modoc County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Modoc County are owner-occupied.
42% of homes in Modoc County are primarily heated with wood. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Modoc County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), earthquake (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Modoc County has 80 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $224,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 80 |
| 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)