Home Insurance in Pico Rivera, California
With a median home value of $648,600, Pico Rivera is 22% lower than the Los Angeles County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pico Rivera was built around 1957. About 66% of homes were built before 1960, about 23 points above Los Angeles County's 43%.
The housing stock in Pico Rivera is 81% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Pico Rivera, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Pico Rivera are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pico Rivera - 69% - 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 | $648,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 71% |
| 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)