Home Insurance in Sacramento County, California
With a median home value of $534,200, Sacramento County is 27% lower than the California median.
The typical home in Sacramento County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 7 points below California's 27%.
In Sacramento County, the housing stock is 71% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Sacramento County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Sacramento County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sacramento County, 57% of homes are primarily heated with natural gas.
The top hazards for Sacramento County, per FEMA's National Risk Index, are inland flooding (Relatively High), earthquake (Relatively High) and wildfire (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Sacramento County has 47,477 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $534,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Earthquake (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 47,477 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)