Home Insurance in Huron, California
The median home value in Huron is $251,700, 35% lower than the Fresno County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Huron was built around 1988. About 22% of homes were built before 1960, about 2 points above Fresno County's 20%.
In Huron, the housing stock is 51% single-family homes, 24% 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.
66% of owner-occupied homes in Huron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Huron has an owner-occupancy rate of 25% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
69% of homes in Huron are primarily heated with natural gas.
Fresno County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Fresno County had 1,105 active NFIP flood policies as of September 2026. See the full Fresno County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $251,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 25% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Fresno County | 1,105 |
| 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)