Home Insurance in Yolo County, California
Homes in Yolo County carry a median value of $620,700 - 16% lower than the California median.
The typical home in Yolo County was built around 1983. About 17% of homes were built before 1960, about 10 points below California's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yolo County is 65% single-family homes, 23% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Yolo County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Yolo County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Yolo County are primarily heated with natural gas.
The top hazards for Yolo County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Yolo County has 3,164 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $620,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 3,164 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)