Home Insurance in Truckee, California
The median home value in Truckee is $947,900, 52% higher than the Nevada County median.
The typical home in Truckee was built around 1989. About 5% of homes were built before 1960, about 8 points below Nevada County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Truckee is 84% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Truckee, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Truckee are owner-occupied. The vacancy rate is 51%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Truckee - 68% - are primarily heated with natural gas.
Nevada County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Nevada County had 130 active NFIP flood policies as of September 2026. See the full Nevada County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $947,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Nevada County | 130 |
| 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)