Home Insurance in Mount Shasta, California
Homes in Mount Shasta carry a median value of $330,200 - 7% higher than the Siskiyou County median.
The typical home in Mount Shasta was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 10 points above Siskiyou County's 29%.
The housing stock in Mount Shasta is 62% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Mount Shasta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Mount Shasta are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mount Shasta, 33% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Mount Shasta? FEMA's National Risk Index points to wildfire (Relatively High) in Siskiyou County and 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.
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 | $330,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)