Home Insurance in Rio Vista, California
Homes in Rio Vista carry a median value of $489,700 - 21% lower than the Solano County median.
The typical home in Rio Vista was built around 2002. About 10% of homes were built before 1960, about 7 points below Solano County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Rio Vista is 89% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Rio Vista have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rio Vista has an owner-occupancy rate of 84% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
78% of homes in Rio Vista are primarily heated with natural gas.
What's the biggest home insurance risk near Rio Vista? 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $489,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)