Home Insurance in Ojai, California
With a median home value of $1,016,200, Ojai is 24% higher than the Ventura County median.
The typical home in Ojai was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 16 points above Ventura County's 15%.
The housing stock in Ojai is 83% single-family homes and 8% apartments in buildings with 5+ units.
68% of owner-occupied homes in Ojai carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Ojai are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ojai - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ojai? 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.
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 | $1,016,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 59% |
| 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
- San Buenaventura (Ventura)
- Carpinteria
- Oxnard
- Camarillo
- Port Hueneme
- Santa Barbara
- Thousand Oaks
- Westlake Village
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)