Home Insurance in Madera, California
Homes in Madera carry a median value of $359,900 - 8% lower than the Madera County median.
The typical home in Madera was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 5 points above Madera County's 13%.
The housing stock in Madera is 75% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 68% of owner-occupied homes in Madera have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Madera are owner-occupied.
In Madera, 60% of homes are primarily heated with natural gas.
Madera County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $359,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)