Home Insurance in San Joaquin County, California
The median home value in San Joaquin County is $530,700, 28% lower than the California median.
The typical home in San Joaquin County was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 6 points below California's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Joaquin County is 80% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In San Joaquin County, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in San Joaquin County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In San Joaquin County, 62% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively High), inland flooding (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for San Joaquin County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
San Joaquin County had 4,326 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $530,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 4,326 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Lodi
- Median home value: $492,500
- Median year built: 1976
- Owner-occupied share: 57%
-
Manteca
- Median home value: $589,900
- Median year built: 1995
- Owner-occupied share: 72%
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)