Home Insurance in Diamond Bar, California
With a median home value of $902,200, Diamond Bar is 8% higher than the Los Angeles County median.
The typical home in Diamond Bar was built around 1980. About 4% of homes were built before 1960, about 39 points below 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 Diamond Bar, the housing stock is 82% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
60% of owner-occupied homes in Diamond Bar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Diamond Bar has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Diamond Bar, 78% of homes 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 | $902,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)