Home Insurance in Buena Park, California
With a median home value of $838,800, Buena Park is 13% lower than the Orange County median.
The typical home in Buena Park was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 25 points above Orange County's 17%.
The housing stock in Buena Park is 68% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Buena Park, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Buena Park are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Buena Park are primarily heated with natural gas.
What's the biggest home insurance risk near Buena Park? FEMA's National Risk Index points to earthquake (Very High) in Orange County and 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.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $838,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)