Home Insurance in Newman, California
With a median home value of $412,700, Newman is 8% lower than the Stanislaus County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Newman was built around 2000. About 15% of homes were built before 1960, about 5 points below Stanislaus County's 19%.
Housing in Newman breaks down to 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 75% of owner-occupied homes in Newman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Newman has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Newman - 76% - are primarily heated with natural gas.
Stanislaus County had 831 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $412,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)