Home Insurance in Imperial, California
The median home value in Imperial is $360,900, 17% higher than the Imperial County median.
The typical home in Imperial was built around 2002. About 9% of homes were built before 1960, about 6 points below Imperial County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Imperial breaks down to 79% single-family homes and 15% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Imperial have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Imperial are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Imperial, 54% of homes are primarily heated with natural gas.
Imperial County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Imperial County had 44 active NFIP flood policies as of September 2026. See the full Imperial County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $360,900 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Imperial County | 44 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
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)