Home Insurance in Marysville, California
The median home value in Marysville is $292,300, 29% lower than the Yuba County median.
The typical home in Marysville was built around 1968. About 42% of homes were built before 1960, about 25 points above Yuba County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Marysville breaks down to 53% single-family homes and 29% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Marysville, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 37% of occupied homes in Marysville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Marysville - 51% - are primarily heated with natural gas.
FEMA rates Yuba County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Yuba County had 1,438 active NFIP flood policies as of September 2026. See the full Yuba County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $292,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Yuba County | 1,438 |
| 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)