Home Insurance in Elk Grove, California
Homes in Elk Grove carry a median value of $630,100 - 18% higher than the Sacramento County median.
The typical home in Elk Grove was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 18 points below Sacramento County's 20%.
In Elk Grove, the housing stock is 89% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 73% of owner-occupied homes in Elk Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Elk Grove are owner-occupied.
In Elk Grove, 65% of homes are primarily heated with natural gas.
Sacramento County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Sacramento County had 47,477 active NFIP flood policies as of September 2026. See the full Sacramento County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $630,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Sacramento County | 47,477 |
| 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)