Home Insurance in La Habra Heights, California
Homes in La Habra Heights carry a median value of $1,201,000 - 44% higher than the Los Angeles County median.
The typical home in La Habra Heights was built around 1966. About 40% of homes were built before 1960, about 3 points below Los Angeles County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In La Habra Heights, the housing stock is 98% single-family homes and 1% apartments in buildings with 5+ units.
63% of owner-occupied homes in La Habra Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in La Habra Heights are owner-occupied.
72% of homes in La Habra Heights 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 | $1,201,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)