Home Insurance in Chowchilla, California
The median home value in Chowchilla is $364,000, 7% lower than the Madera County median.
The typical home in Chowchilla was built around 1992. About 14% of homes were built before 1960, about 1 point above Madera County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Chowchilla breaks down to 82% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Chowchilla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Chowchilla are owner-occupied.
In Chowchilla, 62% of homes are primarily heated with natural gas.
FEMA rates Madera County's overall risk as Relatively High, led by wildfire (Relatively High). Madera County had 599 active NFIP flood policies as of September 2026. See the full Madera County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $364,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Madera County | 599 |
| 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)