Home Insurance in Solvang, California
With a median home value of $949,600, Solvang is 20% higher than the Santa Barbara County median.
The typical home in Solvang was built around 1982. About 14% of homes were built before 1960, about 9 points below Santa Barbara County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Solvang, the housing stock is 53% single-family homes, 27% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Solvang have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Solvang has an owner-occupancy rate of 57% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Solvang, 68% of homes are primarily heated with natural gas.
Santa Barbara County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Santa Barbara County had 3,738 active NFIP flood policies as of September 2026. 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.
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 | $949,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)