Home Insurance in Fairfield, California
The median home value in Fairfield is $624,300, close to the Solano County median.
The typical home in Fairfield was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 6 points below Solano County's 16%.
In Fairfield, the housing stock is 76% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 74% of owner-occupied homes in Fairfield 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 Fairfield are owner-occupied.
In Fairfield, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fairfield? 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 | $624,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)