Home Insurance in Madera County, California
Homes in Madera County carry a median value of $393,200 - 46% lower than the California median.
The typical home in Madera County was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 14 points below California's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Madera County is 82% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
65% of owner-occupied homes in Madera County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Madera County has an owner-occupancy rate of 67% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
38% of homes in Madera County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively High), earthquake (Relatively Moderate) and inland flooding (Relatively High) as the leading hazards for Madera County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Madera County has 599 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $393,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively Moderate), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 599 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)