Home Insurance in Vacaville, California
The median home value in Vacaville is $620,900, close to the Solano County median.
The typical home in Vacaville was built around 1985. About 8% of homes were built before 1960, about 9 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.
In Vacaville, the housing stock is 76% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
74% of owner-occupied homes in Vacaville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vacaville has an owner-occupancy rate of 68% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
63% of homes in Vacaville are primarily heated with natural gas.
Solano County had 2,209 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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 | $620,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 68% |
| 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)