Home Insurance in Weed, California
Homes in Weed carry a median value of $259,600 - 16% lower than the Siskiyou County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Weed was built around 1971. About 29% of homes were built before 1960, in line with Siskiyou County (29%).
In Weed, the housing stock is 56% single-family homes, 22% apartments in buildings with 5+ units and 5% 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 68% of owner-occupied homes in Weed have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Weed are owner-occupied.
Most homes in Weed - 52% - are primarily heated with electricity. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Weed? 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.
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 | $259,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)