Home Insurance in Stockton, California
Homes in Stockton carry a median value of $440,900 - 17% lower than the San Joaquin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Stockton was built around 1980. About 22% of homes were built before 1960, about 1 point above San Joaquin County's 21%.
In Stockton, the housing stock is 74% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Stockton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stockton has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Stockton - 59% - are primarily heated with natural gas.
San Joaquin County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $440,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)