Home Insurance in Mendota, California
Homes in Mendota carry a median value of $281,000 - 28% lower than the Fresno County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mendota was built around 1998. About 7% of homes were built before 1960, about 13 points below Fresno County's 20%.
The housing stock in Mendota is 70% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Mendota, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Mendota are owner-occupied.
Most homes in Mendota - 57% - are primarily heated with natural gas.
FEMA rates Fresno County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $281,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)