Home Insurance in Montague, California
Homes in Montague carry a median value of $183,700 - 41% lower than the Siskiyou County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Montague was built around 1972. About 26% of homes were built before 1960, about 3 points below Siskiyou County's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Montague is 81% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Montague, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Montague has an owner-occupancy rate of 72% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Montague, 39% of homes are primarily heated with fuel oil.
Siskiyou County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Siskiyou County had 198 active NFIP flood policies as of September 2026. See the full Siskiyou 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 | $183,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Siskiyou County | 198 |
| 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)