Home Insurance in Duarte, California
Homes in Duarte carry a median value of $779,400 - 7% lower than the Los Angeles County median.
The typical home in Duarte was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, in line with Los Angeles County (43%).
In Duarte, the housing stock is 74% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Duarte, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Duarte are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Duarte - 67% - 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.
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 | $779,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)