Home Insurance in Beverly Hills, California
Beverly Hills's median home value is $2,000,000+.
The typical home in Beverly Hills was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 11 points above Los Angeles County's 43%.
The housing stock in Beverly Hills is 39% single-family homes and 52% apartments in buildings with 5+ units.
58% of owner-occupied homes in Beverly Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Beverly Hills has an owner-occupancy rate of 41% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Beverly Hills - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near Beverly 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 | $2,000,000+ |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)