Home Insurance in Solano County, California
Homes in Solano County carry a median value of $617,700 - 16% lower than the California median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Solano County was built around 1982. About 16% of homes were built before 1960, about 10 points below California's 27%.
Housing in Solano County breaks down to 76% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Solano County, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Solano County are owner-occupied.
Most homes in Solano County - 61% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Solano County's top hazards are earthquake (Relatively High), inland flooding (Relatively High) and wildfire (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Solano County had 2,209 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $617,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,209 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)