Home Insurance in Dixon, California
Homes in Dixon carry a median value of $604,800 - close to the Solano County median.
The typical home in Dixon was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 6 points below Solano County's 16%.
Housing in Dixon breaks down to 77% single-family homes and 14% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Dixon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Dixon are owner-occupied.
Most homes in Dixon - 66% - are primarily heated with natural gas.
FEMA rates Solano County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $604,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)