Home Insurance in Dos Palos, California
The median home value in Dos Palos is $299,500, 24% lower than the Merced County median.
The typical home in Dos Palos was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 13 points above Merced County's 17%.
The housing stock in Dos Palos is 84% single-family homes and 12% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in Dos Palos have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dos Palos has an owner-occupancy rate of 60% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Dos Palos, 64% of homes are primarily heated with natural gas.
FEMA rates Merced County's overall risk as Relatively High, led by earthquake (Relatively High). Merced County had 4,410 active NFIP flood policies as of September 2026. See the full Merced 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 | $299,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Merced County | 4,410 |
| 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)