Home Insurance in Port Hueneme, California
Homes in Port Hueneme carry a median value of $587,000 - 29% lower than the Ventura County median.
The typical home in Port Hueneme was built around 1974. About 21% of homes were built before 1960, about 6 points above Ventura County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Port Hueneme is 64% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Port Hueneme, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Port Hueneme has an owner-occupancy rate of 48% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Port Hueneme, 62% of homes are primarily heated with natural gas.
Ventura County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $587,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
- Oxnard
- San Buenaventura (Ventura)
- Camarillo
- Thousand Oaks
- Ojai
- Westlake Village
- Carpinteria
- 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)