Home Insurance in San Fernando, California
The median home value in San Fernando is $674,700, 19% lower than the Los Angeles County median.
The typical home in San Fernando was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 21 points above Los Angeles County's 43%.
Housing in San Fernando breaks down to 82% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in San Fernando have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Fernando has an owner-occupancy rate of 62% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
58% of homes in San Fernando 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 | $674,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 62% |
| 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)