Home Insurance in Woodland, California
The median home value in Woodland is $548,200, 12% lower than the Yolo County median.
The typical home in Woodland was built around 1981. About 18% of homes were built before 1960, about 1 point above Yolo County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Woodland is 71% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
70% of owner-occupied homes in Woodland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Woodland are owner-occupied.
Most homes in Woodland - 59% - are primarily heated with natural gas.
Yolo County had 3,164 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $548,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)