Home Insurance in Exeter, California
Homes in Exeter carry a median value of $307,600 - 7% lower than the Tulare County median.
The typical home in Exeter was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 3 points above Tulare County's 18%.
The housing stock in Exeter is 77% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Exeter, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Exeter has an owner-occupancy rate of 55% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Exeter - 78% - are primarily heated with natural gas.
FEMA rates Tulare County's overall risk as Relatively High, led by inland flooding (Relatively High). Tulare County had 4,215 active NFIP flood policies as of September 2026. See the full Tulare County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $307,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Tulare County | 4,215 |
| 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)