Home Insurance in Rolling Hills Estates, California
With a median home value of $1,692,600, Rolling Hills Estates is 103% higher 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 Rolling Hills Estates was built around 1970. About 32% of homes were built before 1960, about 10 points below Los Angeles County's 43%.
The housing stock in Rolling Hills Estates is 96% single-family homes and 3% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Rolling Hills Estates have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rolling Hills Estates has an owner-occupancy rate of 88% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
78% of homes in Rolling Hills Estates 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.
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 | $1,692,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 88% |
| 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
- Rolling Hills
- Rancho Palos Verdes
- Torrance
- Palos Verdes Estates
- Redondo Beach
- Hermosa Beach
- Lawndale
- Gardena
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)