Home Insurance in Signal Hill, California
The median home value in Signal Hill is $783,300, 6% lower than the Los Angeles County median.
The typical home in Signal Hill was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 18 points below Los Angeles County's 43%.
In Signal Hill, the housing stock is 47% single-family homes and 43% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Signal Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Signal Hill are owner-occupied.
71% of homes in Signal Hill are primarily heated with natural gas.
FEMA rates Los Angeles County's overall risk as Very High, led by inland flooding (Very High). 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 | $783,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)