Home Insurance in Auburn, California
Homes in Auburn carry a median value of $672,500 - close to the Placer County median.
The typical home in Auburn was built around 1978. About 32% of homes were built before 1960, about 23 points above Placer County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Auburn, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Auburn, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Auburn are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Auburn, 63% of homes are primarily heated with natural gas.
FEMA rates Placer County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Placer County had 1,254 active NFIP flood policies as of September 2026. See the full Placer County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $672,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Placer County | 1,254 |
| 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)