Home Insurance in Delano, California
With a median home value of $301,900, Delano is 11% lower than the Kern County median.
The typical home in Delano was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 3 points above Kern County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Delano is 77% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Delano, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Delano has an owner-occupancy rate of 63% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Delano - 66% - are primarily heated with natural gas.
Kern County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Kern County had 3,205 active NFIP flood policies as of September 2026. See the full Kern County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $301,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Kern County | 3,205 |
| 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)