Home Insurance in El Monte, California
Homes in El Monte carry a median value of $644,000 - 23% lower than the Los Angeles County median.
The typical home in El Monte was built around 1965. About 40% of homes were built before 1960, about 2 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.
The housing stock in El Monte is 63% single-family homes, 24% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in El Monte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
El Monte has an owner-occupancy rate of 40% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In El Monte, 59% of homes 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 | $644,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)