Home Insurance in Redondo Beach, California
Homes in Redondo Beach carry a median value of $1,279,200 - 53% higher than the Los Angeles County median.
The typical home in Redondo Beach was built around 1973. About 25% of homes were built before 1960, about 17 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 Redondo Beach, the housing stock is 53% single-family homes and 33% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Redondo Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Redondo Beach has an owner-occupancy rate of 53% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Redondo Beach - 64% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $1,279,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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
- Hermosa Beach
- Torrance
- Lawndale
- El Segundo
- Palos Verdes Estates
- Hawthorne
- Gardena
- Rolling Hills Estates
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)