Home Insurance in Vernon, California
Homes in Vernon carry a median value of $916,700 - 10% higher than the Los Angeles County median.
The typical home in Vernon was built around 2012. About 29% of homes were built before 1960, about 13 points below Los Angeles County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Vernon breaks down to 34% single-family homes and 54% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Vernon, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Vernon has an owner-occupancy rate of 10% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Vernon - 55% - are primarily heated with electricity.
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 | $916,700 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 10% |
| 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)