Home Insurance in Fountain Valley, California
Homes in Fountain Valley carry a median value of $1,072,300 - 11% higher than the Orange County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fountain Valley was built around 1972. About 5% of homes were built before 1960, about 12 points below Orange County's 17%.
In Fountain Valley, the housing stock is 78% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Fountain Valley, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Fountain Valley are owner-occupied.
71% of homes in Fountain Valley are primarily heated with natural gas.
What's the biggest home insurance risk near Fountain Valley? 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.
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 | $1,072,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)