Home Insurance in Avenal, California
With a median home value of $228,900, Avenal is 29% lower than the Kings County median.
The typical home in Avenal was built around 1982. 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 Kings County's 18%.
The housing stock in Avenal is 65% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Avenal, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Avenal has an owner-occupancy rate of 45% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Avenal - 55% - are primarily heated with natural gas.
Kings County had 282 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Kings County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $228,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Kings County | 282 |
| 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)