Home Insurance in Fresno County, California
The median home value in Fresno County is $388,800, 47% lower than the California median.
The typical home in Fresno County was built around 1982. About 20% of homes were built before 1960, about 7 points below California's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Fresno County is 70% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Fresno County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fresno County has an owner-occupancy rate of 56% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
54% of homes in Fresno County are primarily heated with natural gas.
The top hazards for Fresno County, per FEMA's National Risk Index, are earthquake (Relatively High), inland flooding (Relatively High) and wildfire (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Fresno County has 1,105 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $388,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Wildfire (Relatively High) |
| Active NFIP flood policies (county) | 1,105 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
- Clovis
- Coalinga
- Firebaugh
- Fowler
- Fresno
- Huron
- Kerman
- Kingsburg
- Mendota
- Orange Cove
- Parlier
- Reedley
- San Joaquin
- Sanger
- Selma
Sources
- 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)