Home Insurance in Patterson, California
Homes in Patterson carry a median value of $450,200 - close to the Stanislaus County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Patterson was built around 2000. About 6% of homes were built before 1960, about 13 points below Stanislaus County's 19%.
The housing stock in Patterson is 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 68% of owner-occupied homes in Patterson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Patterson has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Patterson, 79% of homes 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.
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 | $450,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)