Home Insurance in Farmersville, California
With a median home value of $248,500, Farmersville is 25% lower than the Tulare County median.
The typical home in Farmersville was built around 1978. About 18% of homes were built before 1960, in line with Tulare County (18%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Farmersville is 79% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
70% of owner-occupied homes in Farmersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Farmersville are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Farmersville are primarily heated with natural gas.
What's the biggest home insurance risk near Farmersville? FEMA's National Risk Index points to inland flooding (Relatively High) in Tulare County and 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.
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 | $248,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)