Home Insurance in Arcadia, California
The median home value in Arcadia is $1,441,800, 73% higher than the Los Angeles County median.
The typical home in Arcadia was built around 1965. About 41% of homes were built before 1960, about 1 point below Los Angeles County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Arcadia, the housing stock is 67% single-family homes and 27% apartments in buildings with 5+ units.
55% of owner-occupied homes in Arcadia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Arcadia has an owner-occupancy rate of 58% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
72% of homes in Arcadia are primarily heated with natural gas.
FEMA rates Los Angeles County's overall risk as Very High, led by inland flooding (Very High). 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 | $1,441,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)