Home Insurance in Aliso Viejo, California
With a median home value of $917,900, Aliso Viejo is close to the Orange County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Aliso Viejo was built around 1995. About 1% of homes were built before 1960, about 16 points below Orange County's 17%.
In Aliso Viejo, the housing stock is 61% single-family homes, 33% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 78% of owner-occupied homes in Aliso Viejo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Aliso Viejo are owner-occupied.
In Aliso Viejo, 68% of homes are primarily heated with natural gas.
Orange County's top FEMA-rated hazard is earthquake (Very High), per FEMA's National Risk Index. Orange County had 9,323 active NFIP flood policies as of September 2026. See the full Orange County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $917,900 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Very High) |
| Active NFIP policies in Orange County | 9,323 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
- Laguna Hills
- Laguna Woods
- Laguna Beach
- Laguna Niguel
- Mission Viejo
- Lake Forest
- San Juan Capistrano
- Irvine
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)