Home Insurance in Twentynine Palms, California
The median home value in Twentynine Palms is $268,200, 47% lower than the San Bernardino County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Twentynine Palms was built around 1985. About 19% of homes were built before 1960, about 1 point above San Bernardino County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Twentynine Palms is 71% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Twentynine Palms carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 38% of occupied homes in Twentynine Palms are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Twentynine Palms - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
San Bernardino County had 2,303 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very High). See the full San Bernardino County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $268,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Yucca Valley
- Desert Hot Springs
- Indio
- Cathedral City
- Coachella
- Rancho Mirage
- Indian Wells
- Palm Springs
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)