Home Insurance in Agoura Hills, California
With a median home value of $1,098,000, Agoura Hills is 32% higher than the Los Angeles County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Agoura Hills was built around 1979. About 5% of homes were built before 1960, about 38 points below Los Angeles County's 43%.
In Agoura Hills, the housing stock is 87% single-family homes and 11% apartments in buildings with 5+ units.
80% of owner-occupied homes in Agoura Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Agoura Hills are owner-occupied.
74% of homes in Agoura Hills are primarily heated with natural gas.
What's the biggest home insurance risk near Agoura Hills? FEMA's National Risk Index points to inland flooding (Very High) in Los Angeles County and Los Angeles County had 12,157 active NFIP flood policies as of September 2026. See the full Los Angeles County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,098,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Inland Flooding (Very High) |
| Active NFIP policies in Los Angeles County | 12,157 |
| 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)