Home Insurance in Lincoln, California
The median home value in Lincoln is $651,000, 5% lower than the Placer County median.
The typical home in Lincoln was built around 2005. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 5 points below Placer County's 8%.
Housing in Lincoln breaks down to 94% single-family homes and 4% apartments in buildings with 5+ units.
In Lincoln, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Lincoln are owner-occupied.
Most homes in Lincoln - 74% - 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $651,000 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)