Home Insurance in Buellton, California
With a median home value of $837,400, Buellton is 6% higher than the Santa Barbara County median.
The typical home in Buellton was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 19 points below Santa Barbara County's 22%.
In Buellton, the housing stock is 68% single-family homes, 15% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Buellton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buellton has an owner-occupancy rate of 59% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Buellton - 82% - are primarily heated with natural gas.
Santa Barbara County had 3,738 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Santa Barbara County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $837,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Santa Barbara County | 3,738 |
| 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)