Home Insurance in Lemoore, California
The median home value in Lemoore is $328,300, close to the Kings County median.
The typical home in Lemoore was built around 1991. About 10% of homes were built before 1960, about 8 points below Kings County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Lemoore breaks down to 71% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 73% of owner-occupied homes in Lemoore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lemoore has an owner-occupancy rate of 52% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Lemoore - 72% - 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.
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 | $328,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)