Home Insurance in Kerman, California
With a median home value of $370,900, Kerman is close to the Fresno County median.
The typical home in Kerman was built around 1993. About 8% of homes were built before 1960, about 12 points below Fresno County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Kerman, the housing stock is 72% single-family homes, 12% apartments in buildings with 5+ units and 5% 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.
About 76% of owner-occupied homes in Kerman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Kerman are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kerman, 59% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $370,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)