Home Insurance in Kingsburg, California
Homes in Kingsburg carry a median value of $373,800 - close to the Fresno County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kingsburg was built around 1987. About 19% of homes were built before 1960, about 1 point below Fresno County's 20%.
In Kingsburg, the housing stock is 74% single-family homes, 14% 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.
About 62% of owner-occupied homes in Kingsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kingsburg has an owner-occupancy rate of 72% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
76% of homes in Kingsburg 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.
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 | $373,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)