Home Insurance in Folsom, California
With a median home value of $755,200, Folsom is 41% higher than the Sacramento County median.
The typical home in Folsom was built around 1997. About 5% of homes were built before 1960, about 15 points below Sacramento County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Folsom breaks down to 77% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Folsom carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Folsom are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Folsom are primarily heated with natural gas.
Sacramento County had 47,477 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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.
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 | $755,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)