Home Insurance in Sacramento, California
Homes in Sacramento carry a median value of $506,300 - 5% 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 Sacramento was built around 1977. About 30% of homes were built before 1960, about 10 points above Sacramento County's 20%.
Housing in Sacramento breaks down to 66% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Sacramento have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Sacramento are owner-occupied.
Most homes in Sacramento - 55% - 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.
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 | $506,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)