Home Insurance in West Sacramento, California
With a median home value of $525,800, West Sacramento is 15% lower than the Yolo County median.
The typical home in West Sacramento was built around 1987. About 26% of homes were built before 1960, about 9 points above Yolo County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Sacramento is 69% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 72% of owner-occupied homes in West Sacramento have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in West Sacramento are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in West Sacramento - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near West Sacramento? 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 | $525,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)