Home Insurance in Taft, California
Homes in Taft carry a median value of $252,600 - 25% lower than the Kern County median.
The typical home in Taft was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 18 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 Taft is 67% single-family homes, 9% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 47% of owner-occupied homes in Taft have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Taft are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Taft, 58% of homes are primarily heated with natural gas.
FEMA rates Kern County's overall risk as Relatively High, led by wildfire (Relatively High). 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.
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 | $252,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)