Home Insurance in Costa Mesa, California
With a median home value of $1,115,100, Costa Mesa is 16% higher than the Orange County median.
The typical home in Costa Mesa was built around 1972. About 20% of homes were built before 1960, about 4 points above Orange County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Costa Mesa is 50% single-family homes, 33% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Costa Mesa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Costa Mesa are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Costa Mesa are primarily heated with natural gas.
What's the biggest home insurance risk near Costa Mesa? 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 | $1,115,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)