California · Merced County
Home insurance in Merced County — cost and availability
In Merced County, California, the median filed homeowners premium is $1,347/yr for a $625,000 dwelling (CDI §12959, effective 2026-05-01); the middle 50% runs $1,202–$1,672, and the lowest filed premium is $450 from US Coastal P&C Ins Co (DBA Pacific Coastal P&C).
Average home insurance cost in Merced County
ACTUALLowest filed premium from US Coastal P&C Ins Co (DBA Pacific Coastal P&C). Source: CDI Homeowners Comparison Tool (§12959), $625,000 dwelling, $1,000 deductible, effective 2026-05-01. Estimates, not quotes.
All filed premiums
ACTUALAll 37 filed premiums for Merced County
CDI §12959 premium survey, $625,000 dwelling profile; filed premiums effective May 1, 2026. Filed rates are not quotes.
FAIR Plan penetration — Merced County
ACTUALFAIR Plan policies in force vs Census housing units. Source: California FAIR Plan (cfpnet) + Census ACS B25001. There is no ZIP-level premium — this measures market retreat, not price.
FAIR + DIC vs a standard policy — Merced County
Standard (admitted)
ACTUALMiddle 50%: $1,202–$1,672. CDI §12959 filed, $625k profile.
FAIR Plan + DIC
FAIR ACTUAL · DIC ILLUSTRATIVECombined ≈ $1,821–$2,621 / yr (contains an illustrative DIC estimate).
| Coverage | Standard | FAIR alone | FAIR + DIC |
|---|---|---|---|
| Fire / smoke | ✓ | ✓ | ✓ |
| Liability | ✓ | — | ✓ |
| Water damage | ✓ | — | ✓ |
| Theft | ✓ | — | ✓ |
The FAIR Plan covers fire only; a DIC policy adds liability, water, and theft. DIC pricing is not publicly filed, so the DIC figure is an illustrative range, not a quote. Coverage rows from the California FAIR Plan / DIC channel descriptions. We refer to licensed brokers and never bind coverage.
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Wildfire risk score in Merced County
About 0.4% of MercedCounty's housing stock was on the FAIR Plan — California's insurer of last resort for wildfire risk — in FY2025 (5.7× the FY2021 level). Higher FAIR Plan penetration tracks areas admitted carriers consider higher wildfire hazard. For a parcel-level estimate, use the wildfire risk score by address tool.
FAIR Plan policies in force, FY2021–FY2025 (actual)
Who writes here
COUNTY-LEVEL ESTIMATEModeled appetite for a typical owner-occupied home in Merced County, ranked by tier. COUNTY HAZARD PROXY: MODERATE Appetite varies by address and wildfire risk — check a specific address.
Likely
With membership
Unlikely
Not writing
Modeled from statewide carrier posture × this county's FAIR-Plan penetration (public data). A specific address may score differently — check yours.
Frequently asked
What is the average home insurance cost in Merced County?
The median filed homeowners premium is $1,347/yr for a $625,000 dwelling (California Department of Insurance §12959, effective May 1 2026); the middle 50% of carriers runs $1,202–$1,672.
How much is the FAIR Plan in Merced County?
About $1,221/yr on average for an owner-occupied home (fire-only; California FAIR Plan, March 2026). It excludes liability and water damage — a separate DIC policy adds those.
How many homes use the FAIR Plan in Merced County?
336 policies were in force in FY2025, about 0.4% of the county's housing stock.
Which insurers still write in Merced County?
Several admitted carriers committed to California's Sustainable Insurance Strategy continue to write, including Farmers, Mercury, CSAA, USAA, and Travelers. Availability is an estimate that varies by address and wildfire risk — check a specific address on the map.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance