Home Insurance in Tracy, California
The median home value in Tracy is $699,000, 32% higher than the San Joaquin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tracy was built around 1995. About 13% of homes were built before 1960, about 8 points below San Joaquin County's 21%.
Housing in Tracy breaks down to 85% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Tracy, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tracy has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
70% of homes in Tracy 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.
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 | $699,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 65% |
| 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)