Home Insurance in La Mirada, California
The median home value in La Mirada is $825,900, close to the Los Angeles County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in La Mirada was built around 1960. About 52% of homes were built before 1960, about 9 points above Los Angeles County's 43%.
Housing in La Mirada breaks down to 83% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In La Mirada, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in La Mirada are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In La Mirada, 77% of homes are primarily heated with natural gas.
Los Angeles County's top FEMA-rated hazard is inland flooding (Very High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $825,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 76% |
| 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)