Homeowners Insurance in Modesto, CA
For a home at Modesto's median value of $442,700, we estimate about $1,075 a year — −35% versus the California NAIC average of $1,655.
Estimated homeowners insurance cost in Modesto
Modesto's estimate reflects its home values (40% lower than the state median) and FEMA's hazard profile for Stanislaus County.
Natural hazard risk in Modesto
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 52.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 27.8 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 28.3 | Comprehensive; dwelling | |
| Winter weather | 36.8 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 95.0 | Comprehensive; dwelling | |
| Earthquake | 98.5 | Home needs a separate earthquake policy | |
| Lightning | 91.0 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Modesto
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $570 | $525 |
| $300,000 | $785 | $725 |
| $500,000 | $1,185 | $1,090 |
| $750,000 | $1,635 | $1,505 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Modesto
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 95355 | $469,000 | 62.3% | $1,125 |
| 95350 | $429,400 | 56.8% | $1,050 |
| 95351 | $343,500 | 48.3% | $875 |
| 95356 | $532,600 | 67.6% | $1,245 |
| 95358 | $431,900 | 62.0% | $1,055 |
| 95354 | $389,600 | 50.4% | $970 |
Homeowners insurance in California · Car insurance in Modesto · Insurance offices near Modesto
Frequently asked questions
How much is homeowners insurance in Modesto?
For a home at Modesto's median value of $442,700, we estimate about $1,075 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.
What are the biggest natural hazards in Modesto?
FEMA's National Risk Index rates Stanislaus County relatively high or very high for inland (river) flooding, earthquake, and lightning.
Does the age of homes in Modesto affect insurance?
Yes. The median home in Modesto was built in 1978 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Stanislaus County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Stanislaus County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)