Home Insurance in Calipatria, California
Homes in Calipatria carry a median value of $197,200 - 36% lower than the Imperial County median.
The typical home in Calipatria was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 19 points above Imperial County's 15%.
Housing in Calipatria breaks down to 72% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Calipatria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Calipatria has an owner-occupancy rate of 64% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
48% of homes in Calipatria are primarily heated with natural gas.
Imperial County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Imperial County had 44 active NFIP flood policies as of September 2026. See the full Imperial 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 | $197,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Imperial County | 44 |
| 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)