Home Insurance in Benicia, California
The median home value in Benicia is $810,000, 31% higher than the Solano County median.
The typical home in Benicia was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 1 point below Solano County's 16%.
In Benicia, the housing stock is 73% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Benicia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Benicia are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Benicia, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Benicia? FEMA's National Risk Index points to earthquake (Relatively High) in Solano County and Solano County had 2,209 active NFIP flood policies as of September 2026. See the full Solano County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $810,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Solano County | 2,209 |
| 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)