Homeowners Insurance in Ventura, CA

For a home at Ventura's median value of $827,300, we estimate about $1,675 a year — +1% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Ventura

Est. premium

$1,675

$140/mo · median home

Median home value

$827,300

California: $734,700

Median year built

1973

Census ACS

Owner-occupied

55.9%

of households

Hazard score

57.0

state ref. 70.2

Ventura's estimate reflects its home values (13% higher than the state median) and FEMA's hazard profile for Ventura County.

Natural hazard risk in Ventura

FEMA National Risk Index — Ventura County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	52.0	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	42.4	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	60.8	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	44.1	Comprehensive; dwelling
Winter weather	Very Low	1.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	99.8	Comprehensive; dwelling
Earthquake	Relatively High	99.7	Home needs a separate earthquake policy
Lightning	Relatively Moderate	70.2	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 Ventura

Dwelling value	Wood frame	Brick / masonry
$200,000	$540	$495
$300,000	$745	$685
$500,000	$1,120	$1,030
$750,000	$1,550	$1,425

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Ventura

ZIP	Median home value	Owner-occupied	Est. premium
93003	$816,300	58.5%	$1,660
93001	$859,100	44.8%	$1,725
93004	$800,900	66.3%	$1,635

Homeowners insurance in California · Car insurance in Ventura · Insurance offices near Ventura

Frequently asked questions

How much is homeowners insurance in Ventura?

For a home at Ventura's median value of $827,300, we estimate about $1,675 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 Ventura?

FEMA's National Risk Index rates Ventura County relatively high or very high for inland (river) flooding, wildfire, and earthquake.

Does the age of homes in Ventura affect insurance?

Yes. The median home in Ventura was built in 1973 (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 Ventura County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page