Home Insurance in Ceres, California
The median home value in Ceres is $424,800, 6% lower than the Stanislaus County median.
The typical home in Ceres was built around 1986. About 12% of homes were built before 1960, about 8 points below Stanislaus County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ceres is 80% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
65% of owner-occupied homes in Ceres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ceres has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
75% of homes in Ceres are primarily heated with natural gas.
What's the biggest home insurance risk near Ceres? FEMA's National Risk Index points to earthquake (Relatively High) in Stanislaus County and Stanislaus County had 831 active NFIP flood policies as of September 2026. See the full Stanislaus 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 | $424,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Stanislaus County | 831 |
| 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)