Home Insurance in Oxnard, California
Homes in Oxnard carry a median value of $652,700 - 21% lower than the Ventura County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Oxnard was built around 1977. About 18% of homes were built before 1960, about 4 points above Ventura County's 15%.
In Oxnard, the housing stock is 65% single-family homes, 23% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Oxnard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oxnard has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Oxnard, 69% of homes are primarily heated with natural gas.
Ventura County had 4,478 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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 | $652,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Port Hueneme
- San Buenaventura (Ventura)
- Camarillo
- Ojai
- Thousand Oaks
- Carpinteria
- Westlake Village
- Agoura Hills
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)