Home Insurance in Livingston, California
With a median home value of $372,700, Livingston is close to the Merced County median.
The typical home in Livingston was built around 1994. About 14% of homes were built before 1960, about 2 points below Merced County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Livingston breaks down to 85% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Livingston, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Livingston are owner-occupied.
In Livingston, 72% of homes are primarily heated with natural gas.
Merced County had 4,410 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $372,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)