Home Insurance in Victorville, California
Homes in Victorville carry a median value of $385,600 - 24% lower than the San Bernardino County median.
The typical home in Victorville was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 11 points below San Bernardino County's 18%.
In Victorville, the housing stock is 77% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Victorville, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Victorville has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
78% of homes in Victorville are primarily heated with natural gas.
What's the biggest home insurance risk near Victorville? FEMA's National Risk Index points to wildfire (Very High) in San Bernardino County and 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.
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 | $385,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)