Home Insurance in Mammoth Lakes, California
With a median home value of $866,700, Mammoth Lakes is 36% higher than the Mono County median.
The typical home in Mammoth Lakes was built around 1980. About 5% of homes were built before 1960, about 3 points below Mono County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Mammoth Lakes breaks down to 42% single-family homes, 41% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 78% of owner-occupied homes in Mammoth Lakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 66%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Mammoth Lakes are owner-occupied.
28% of homes in Mammoth Lakes are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mono County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Mono County had 111 active NFIP flood policies as of September 2026. See the full Mono County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $866,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Mono County | 111 |
| 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)