Home Insurance in Baldwin Park, California
With a median home value of $606,900, Baldwin Park is 27% lower than the Los Angeles County median.
The typical home in Baldwin Park was built around 1964. About 44% of homes were built before 1960, about 1 point 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 Baldwin Park, the housing stock is 77% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Baldwin Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baldwin Park has an owner-occupancy rate of 58% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
70% of homes in Baldwin Park are primarily heated with natural gas.
Los Angeles County had 12,157 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Very High). 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 | $606,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)