> Source: https://insurancemonster.com/california/counties/butte/
> Auto and home insurance in Butte County, California. Non-standard and SR-22 auto, plus wildfire and FAIR Plan help for hard-to-insure homes. Free quotes.
> InsuranceMonster - a brand of Monster Insurance Services, LLC, independent California insurance brokerage (CA DOI Lic. #6020398).

# Butte County insurance

Renters, auto, home and pet insurance across Butte County, shopped across 40+ carriers - including wildfire-exposed homes. County seat: Oroville.

Butte County includes Paradise, rebuilt after the 2018 Camp Fire, making it one of the most wildfire-scarred markets in the state. Many homeowners here rely on the FAIR Plan plus difference-in-conditions.

Butte County is part of the [Sacramento Valley](https://insurancemonster.com/california/regions/sacramento-valley/) region. Explore nearby counties and shared regional risks there.

## Insurance risks in Butte County

Wildfire is often the deciding factor in whether a home can be insured in Butte County. When carriers decline or non-renew here, we turn to surplus lines wildfire markets and California FAIR Plan coverage paired with a difference-in-conditions wrap for broader protection.

Flooding is a real consideration in Butte County, and since standard home policies exclude flood, separate flood coverage may be needed for exposed properties.

## Butte County by the numbers

- **$469,145** - Median home value across our Butte County city pages

Home values across Butte County sit in a relatively narrow band, so most homeowners here land in similar coverage tiers - though rebuild cost, not market value, is what actually sets the premium.

*Typical home value and rent by city in Butte County*

| City | Typical home value | Typical monthly rent |
| --- | --- | --- |
| Chico | $469,145 | $1,577 |
| Paradise | $337,564 | $1,409 |

Home values and rents are Zillow indices; fire activity is the CAL FIRE incident record. Full sourcing and method on our [methodology page](https://insurancemonster.com/methodology/).

## Coverage we place in Butte County

- [Non-standard and SR-22 auto insurance](https://insurancemonster.com/california-auto-insurance/) for Butte County drivers
- [Homeowners, condo, renters, and landlord coverage](https://insurancemonster.com/california-homeowners-insurance/)
- [Wildfire coverage](https://insurancemonster.com/california-wildfire-insurance/) and [FAIR Plan plus difference-in-conditions](https://insurancemonster.com/california-fair-plan-insurance/) for hard-to-insure homes
- [Mobile and manufactured home](https://insurancemonster.com/california-mobile-home-insurance/) and [dwelling fire](https://insurancemonster.com/california-dwelling-fire-insurance/) policies

## Cities and communities we serve in Butte County

We also serve Oroville, Gridley, Biggs, and the surrounding communities of Butte County.

## Explore more

- [All California locations](https://insurancemonster.com/california/)
- [California auto insurance](https://insurancemonster.com/california-auto-insurance/)
- [Non-standard and SR-22 auto](https://insurancemonster.com/non-standard-auto-insurance-california/)
- [California home insurance](https://insurancemonster.com/california-homeowners-insurance/)
- [Wildfire and FAIR Plan help](https://insurancemonster.com/california-wildfire-insurance/)
- [California FAIR Plan](https://insurancemonster.com/california-fair-plan-insurance/)
- [Butte County fire hazard zones](https://insurancemonster.com/fire-hazard-severity-zones-and-home-insurance/butte-county/)

[Get your free Butte County quote](https://insurancemonster.com/marketplace.asp)

## Butte County insurance FAQ

### Can I insure a home in Butte County if it is in a fire zone?

Often yes. Butte County has significant fire exposure, so we shop admitted carriers still writing the area, then surplus lines wildfire markets and the California FAIR Plan plus a difference-in-conditions wrap for broader protection than a bare FAIR Plan policy.

### Do you cover non-standard and SR-22 drivers in Butte County?

Yes. We specialize in non-standard California auto insurance in Butte County, including SR-22 filings and drivers with tickets, accidents, a DUI, a lapse, or a foreign license.

### How much does it cost to use InsuranceMonster in Butte County?

Nothing to get a quote. We are an independent broker paid by the carriers, so shopping your Butte County auto or home coverage is free and puts you under no obligation.