Home Insurance in Fullerton, California
With a median home value of $902,600, Fullerton is 6% lower 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 Fullerton was built around 1969. About 31% of homes were built before 1960, about 14 points above Orange County's 17%.
In Fullerton, the housing stock is 60% single-family homes, 30% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 68% of owner-occupied homes in Fullerton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fullerton has an owner-occupancy rate of 52% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Fullerton, 67% of homes are primarily heated with natural gas.
Orange County's top FEMA-rated hazard is earthquake (Very High), per FEMA's National Risk Index. 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 | $902,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)