Home Insurance in Woodlake, California
Homes in Woodlake carry a median value of $300,200 - 9% lower than the Tulare County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Woodlake was built around 1983. About 17% of homes were built before 1960, about 1 point below Tulare County's 18%.
The housing stock in Woodlake is 76% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Woodlake, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Woodlake are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Woodlake, 73% of homes are primarily heated with natural gas.
Tulare County had 4,215 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $300,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)