Home Insurance in Maricopa, California
The median home value in Maricopa is $155,500, 54% lower than the Kern County median.
The typical home in Maricopa was built around 1970. About 34% of homes were built before 1960, about 17 points above Kern County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Maricopa is 60% single-family homes, 2% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Maricopa, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Maricopa has an owner-occupancy rate of 60% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Maricopa - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Maricopa? FEMA's National Risk Index points to wildfire (Relatively High) in Kern County and 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 | $155,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)