Home Insurance in Dana Point, California
Homes in Dana Point carry a median value of $1,320,300 - 37% higher than the Orange County median.
The typical home in Dana Point was built around 1979. About 9% of homes were built before 1960, about 8 points below Orange County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Dana Point breaks down to 65% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Dana Point, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Dana Point are owner-occupied.
Most homes in Dana Point - 67% - 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 | $1,320,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- San Juan Capistrano
- Laguna Niguel
- San Clemente
- Laguna Beach
- Aliso Viejo
- Laguna Hills
- Mission Viejo
- Laguna Woods
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)