Home Insurance in Anderson, California
Homes in Anderson carry a median value of $283,000 - 23% lower than the Shasta County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Anderson was built around 1981. About 18% of homes were built before 1960, about 4 points above Shasta County's 15%.
In Anderson, the housing stock is 67% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Anderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Anderson are owner-occupied.
Most homes in Anderson - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Anderson? FEMA's National Risk Index points to wildfire (Relatively High) in Shasta County and Shasta County had 571 active NFIP flood policies as of September 2026. See the full Shasta County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $283,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Shasta County | 571 |
| 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)