Home Insurance in Camarillo, California
With a median home value of $827,300, Camarillo is close to the Ventura County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Camarillo was built around 1982. About 5% of homes were built before 1960, about 10 points below Ventura County's 15%.
The housing stock in Camarillo is 75% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in Camarillo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Camarillo has an owner-occupancy rate of 65% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
71% of homes in Camarillo are primarily heated with natural gas.
What's the biggest home insurance risk near Camarillo? FEMA's National Risk Index points to wildfire (Relatively High) in Ventura County and Ventura County had 4,478 active NFIP flood policies as of September 2026. See the full Ventura County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $827,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Ventura County | 4,478 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
- Thousand Oaks
- Oxnard
- Port Hueneme
- San Buenaventura (Ventura)
- Westlake Village
- Agoura Hills
- Ojai
- Malibu
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)