Home Insurance in Mono County, California
With a median home value of $639,400, Mono County is 13% lower than the California median.
The typical home in Mono County was built around 1980. About 8% of homes were built before 1960, about 18 points below California's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Mono County, the housing stock is 51% single-family homes, 31% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in Mono County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 58%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Mono County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mono County, 35% of homes are primarily heated with wood.
FEMA's National Risk Index lists wildfire (Relatively Moderate), earthquake (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Mono County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Mono County has 111 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $639,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 111 |
| 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)