Home Insurance in Bishop, California
Homes in Bishop carry a median value of $386,400 - 11% higher than the Inyo County median.
The typical home in Bishop was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 12 points above Inyo County's 25%.
The housing stock in Bishop is 50% single-family homes, 9% apartments in buildings with 5+ units and 19% 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.
In Bishop, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bishop has an owner-occupancy rate of 58% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 28% of homes in Bishop are primarily heated with propane.
What's the biggest home insurance risk near Bishop? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Inyo County and Inyo County had 46 active NFIP flood policies as of September 2026. See the full Inyo 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 | $386,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Inyo County | 46 |
| 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)