Home Insurance in Rancho Cordova, California
With a median home value of $477,600, Rancho Cordova is 11% lower than the Sacramento County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rancho Cordova was built around 1979. About 13% of homes were built before 1960, about 7 points below Sacramento County's 20%.
In Rancho Cordova, the housing stock is 70% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Rancho Cordova carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Rancho Cordova are owner-occupied.
In Rancho Cordova, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Rancho Cordova? FEMA's National Risk Index points to inland flooding (Relatively High) in Sacramento County and 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 | $477,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 58% |
| 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)