Home Insurance in Davis, California
The median home value in Davis is $866,100, 40% higher than the Yolo County median.
The typical home in Davis was built around 1983. About 8% of homes were built before 1960, about 9 points below Yolo County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Davis, the housing stock is 55% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Davis, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Davis has an owner-occupancy rate of 44% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
61% of homes in Davis are primarily heated with natural gas.
What's the biggest home insurance risk near Davis? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Yolo County and Yolo County had 3,164 active NFIP flood policies as of September 2026. See the full Yolo 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 | $866,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Yolo County | 3,164 |
| 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)