Home Insurance in Oakdale, California
With a median home value of $457,900, Oakdale is close to the Stanislaus County median.
The typical home in Oakdale was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, in line with Stanislaus County (19%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oakdale is 79% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Oakdale, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Oakdale are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Oakdale are primarily heated with natural gas.
What's the biggest home insurance risk near Oakdale? 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.
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 | $457,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)