Homeowners Insurance in Fairfield, CA

For a home at Fairfield's median value of $624,300, we estimate about $1,335 a year — −19% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fairfield

Est. premium

$1,335

$111/mo · median home

Median home value

$624,300

California: $734,700

Median year built

1986

Census ACS

Owner-occupied

61.3%

of households

Hazard score

56.5

state ref. 70.2

Fairfield's estimate reflects its home values (15% lower than the state median) and FEMA's hazard profile for Solano County.

Natural hazard risk in Fairfield

FEMA National Risk Index — Solano County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	18.1	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	34.1	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	82.8	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	17.7	Comprehensive; dwelling
Winter weather	Very Low	4.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	94.5	Comprehensive; dwelling
Earthquake	Relatively High	99.0	Home needs a separate earthquake policy
Lightning	Relatively Moderate	60.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Fairfield

Dwelling value	Wood frame	Brick / masonry
$200,000	$535	$495
$300,000	$740	$680
$500,000	$1,115	$1,025
$750,000	$1,545	$1,420

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Fairfield

ZIP	Median home value	Owner-occupied	Est. premium
94533	$542,200	55.9%	$1,190
94534	$744,500	77.7%	$1,535

Homeowners insurance in California · Car insurance in Fairfield · Insurance offices near Fairfield

Frequently asked questions

How much is homeowners insurance in Fairfield?

For a home at Fairfield's median value of $624,300, we estimate about $1,335 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.

What are the biggest natural hazards in Fairfield?

FEMA's National Risk Index rates Solano County relatively high or very high for inland (river) flooding, coastal flooding, and earthquake.

Does the age of homes in Fairfield affect insurance?

Yes. The median home in Fairfield was built in 1986 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Solano County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page