Home Insurance in Holtville, California
With a median home value of $310,100, Holtville is close to the Imperial County median.
The typical home in Holtville was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 7 points above Imperial County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holtville is 62% single-family homes, 18% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
54% of owner-occupied homes in Holtville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Holtville has an owner-occupancy rate of 50% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Holtville, 49% of homes 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.
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 | $310,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)