Home Insurance in Needles, California
Homes in Needles carry a median value of $157,200 - 69% lower than the San Bernardino County median.
The typical home in Needles was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 14 points above San Bernardino County's 18%.
The housing stock in Needles is 59% single-family homes, 12% apartments in buildings with 5+ units and 19% 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.
In Needles, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 52% of occupied homes in Needles are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Needles are primarily heated with electricity.
San Bernardino County's top FEMA-rated hazard is wildfire (Very High), per FEMA's National Risk Index. San Bernardino County had 2,303 active NFIP flood policies as of September 2026. See the full San Bernardino 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 | $157,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Very High) |
| Active NFIP policies in San Bernardino County | 2,303 |
| 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)