Home Insurance in Corcoran, California
Homes in Corcoran carry a median value of $236,100 - 27% lower than the Kings County median.
The typical home in Corcoran was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 8 points above Kings County's 18%.
The housing stock in Corcoran is 80% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Corcoran, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Corcoran are owner-occupied.
68% of homes in Corcoran are primarily heated with natural gas.
FEMA rates Kings County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Kings County had 282 active NFIP flood policies as of September 2026. 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.
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 | $236,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)