Home Insurance in Los Angeles, California
The median home value in Los Angeles is $921,200, 10% higher than 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 Los Angeles was built around 1965. About 44% of homes were built before 1960, about 1 point above Los Angeles County's 43%.
The housing stock in Los Angeles is 42% single-family homes, 48% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Los Angeles, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 36% of occupied homes in Los Angeles are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Los Angeles - 57% - 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.
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 | $921,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)