Home Insurance in Roseville, California
With a median home value of $661,400, Roseville is close to the Placer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Roseville was built around 1998. About 6% of homes were built before 1960, about 2 points below Placer County's 8%.
Housing in Roseville breaks down to 79% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Roseville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Roseville are owner-occupied.
Most homes in Roseville - 68% - are primarily heated with natural gas.
Placer County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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.
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 | $661,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 69% |
| 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)