Home Insurance in Santa Fe Springs, California
With a median home value of $659,900, Santa Fe Springs is 21% lower than the Los Angeles County median.
The typical home in Santa Fe Springs was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 8 points above Los Angeles County's 43%.
The housing stock in Santa Fe Springs is 67% single-family homes, 30% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 72% of owner-occupied homes in Santa Fe Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Santa Fe Springs are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Santa Fe Springs are primarily heated with natural gas.
What's the biggest home insurance risk near Santa Fe Springs? FEMA's National Risk Index points to inland flooding (Very High) in Los Angeles County and 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 | $659,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)