Home Insurance in Loomis, California
With a median home value of $634,500, Loomis is 8% lower than the Placer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Loomis was built around 1980. About 7% of homes were built before 1960, in line with Placer County (8%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Loomis is 91% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 74% of owner-occupied homes in Loomis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Loomis has an owner-occupancy rate of 87% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Loomis 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 | $634,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)