Homeowner Insurance Costs in Modoc County, CA

How much does homeowner insurance cost in Modoc County? Here's what to expect.

Est. Annual Premium

$1,017

Monthly Cost

$85

Median Home Value

$184,900

% of Income

1.9%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$184,900
Personal Property (C)$92,450
Liability (E)$300,000
Deductible$1,849

Cost Context

Homeownership Rate75.1%
Median Income$54,962
Property Tax Rate0.8%
Population8,651

About Insurance in Modoc County

Homeowner insurance in Modoc County, California costs an estimated $1,017 per year for a median-value home of $184,900. This represents approximately 1.9% of the median household income of $54,962.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in California

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.