Home Insurance in Avalon, California
With a median home value of $936,000, Avalon is 12% higher than the Los Angeles County median.
The typical home in Avalon was built around 1946. About 57% of homes were built before 1960, about 15 points above Los Angeles County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Avalon, the housing stock is 43% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Avalon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Avalon are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Avalon - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Avalon? 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.
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 | $936,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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
- Rancho Palos Verdes
- Rolling Hills
- Rolling Hills Estates
- Palos Verdes Estates
- Huntington Beach
- Long Beach
- Seal Beach
- Costa Mesa
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)