Home Insurance in Cloverdale, California
With a median home value of $619,400, Cloverdale is 24% lower than the Sonoma County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cloverdale was built around 1979. About 27% of homes were built before 1960, about 7 points above Sonoma County's 20%.
In Cloverdale, the housing stock is 75% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 77% of owner-occupied homes in Cloverdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Cloverdale are owner-occupied.
61% of homes in Cloverdale are primarily heated with natural gas.
FEMA rates Sonoma County's overall risk as Relatively High, led by earthquake (Relatively High). Sonoma County had 2,321 active NFIP flood policies as of September 2026. See the full Sonoma 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 | $619,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Sonoma County | 2,321 |
| 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)