Home Insurance in Wheatland, California
Homes in Wheatland carry a median value of $429,200 - close to the Yuba County median.
The typical home in Wheatland was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 3 points below Yuba County's 16%.
In Wheatland, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wheatland, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wheatland has an owner-occupancy rate of 64% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Wheatland - 64% - are primarily heated with natural gas.
What's the biggest home insurance risk near Wheatland? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Yuba County and 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.
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 | $429,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)