Home Insurance in Brea, California
Homes in Brea carry a median value of $922,300 - 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 Brea was built around 1978. About 11% of homes were built before 1960, about 6 points below Orange County's 17%.
The housing stock in Brea is 66% single-family homes, 27% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Brea carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Brea are owner-occupied.
In Brea, 63% of homes are primarily heated with natural gas.
FEMA rates Orange County's overall risk as Very High, led by earthquake (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $922,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
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)