Home Insurance in Lathrop, California
The median home value in Lathrop is $643,600, 21% higher than the San Joaquin County median.
The typical home in Lathrop was built around 2007. About 2% of homes were built before 1960, about 19 points below San Joaquin County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lathrop breaks down to 97% single-family homes and 2% mobile or manufactured homes.
79% of owner-occupied homes in Lathrop carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Lathrop are owner-occupied.
68% of homes in Lathrop are primarily heated with natural gas.
What's the biggest home insurance risk near Lathrop? FEMA's National Risk Index points to earthquake (Relatively High) in San Joaquin County and San Joaquin County had 4,326 active NFIP flood policies as of September 2026. See the full San Joaquin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $643,600 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in San Joaquin County | 4,326 |
| 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)