HomeInsuranceQts

Home Insurance in Los Angeles County, California

With a median home value of $834,200, Los Angeles County is 14% higher than the California median.

The typical home in Los Angeles County was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 16 points above California's 27%.

Housing in Los Angeles County breaks down to 54% single-family homes, 36% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Los Angeles County, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Los Angeles County has an owner-occupancy rate of 46% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

63% of homes in Los Angeles County are primarily heated with natural gas.

Per FEMA's National Risk Index, Los Angeles County's top hazards are inland flooding (Very High), earthquake (Very High) and wildfire (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.

As of September 2026, Los Angeles County has 12,157 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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$834,200
Median year built1965
Owner-occupied share46%
Share of owner-occupied homes with a mortgage68%
Top hazards (FEMA National Risk Index)Inland Flooding (Very High), Earthquake (Very High), Wildfire (Very High)
Active NFIP flood policies (county)12,157
Home insurance premium$1,655 - statewide average (NAIC, 2023 data)
Key home insurance figures for Los Angeles County, CA

Towns and cities

Smaller communities

Sources

Data last updated: 2026-09-29