Home Insurance in Yountville, California
The median home value in Yountville is $802,200, 8% lower than the Napa County median.
The typical home in Yountville was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 11 points below Napa County's 27%.
The housing stock in Yountville is 61% single-family homes, 10% apartments in buildings with 5+ units and 18% 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.
In Yountville, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Yountville has an owner-occupancy rate of 67% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Yountville - 64% - are primarily heated with natural gas.
Napa County had 1,270 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Napa 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 | $802,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Napa County | 1,270 |
| 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)