Home Insurance in Suisun City, California
The median home value in Suisun City is $579,500, 6% lower than the Solano County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Suisun City was built around 1984. About 8% of homes were built before 1960, about 8 points below Solano County's 16%.
In Suisun City, the housing stock is 80% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Suisun City, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Suisun City has an owner-occupancy rate of 61% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Suisun City - 58% - are primarily heated with natural gas.
Solano County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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 | $579,500 |
|---|---|
| Median year built | 1984 |
| 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)