Home Insurance in Ventura County, California
Homes in Ventura County carry a median value of $822,700 - 12% higher than the California median.
The typical home in Ventura County was built around 1978. About 15% of homes were built before 1960, about 12 points below California's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ventura County, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ventura County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Ventura County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ventura County, 72% of homes are primarily heated with natural gas.
The top hazards for Ventura County, per FEMA's National Risk Index, are wildfire (Relatively High), earthquake (Relatively High) and inland flooding (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Ventura County has 4,478 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $822,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively High), Inland Flooding (Very High) |
| Active NFIP flood policies (county) | 4,478 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Fillmore
- Median home value: $602,500
- Median year built: 1978
- Owner-occupied share: 68%
-
Moorpark
- Median home value: $894,300
- Median year built: 1987
- Owner-occupied share: 79%
-
Santa Paula
- Median home value: $611,200
- Median year built: 1970
- Owner-occupied share: 56%
-
Simi Valley
- Median home value: $823,800
- Median year built: 1980
- Owner-occupied share: 73%
Sources
- 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)