Home Insurance in Garden Grove, California
The median home value in Garden Grove is $814,100, 15% lower than the Orange County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Garden Grove was built around 1965. About 40% of homes were built before 1960, about 23 points above Orange County's 17%.
In Garden Grove, the housing stock is 63% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Garden Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Garden Grove are owner-occupied.
69% of homes in Garden Grove are primarily heated with natural gas.
Orange County had 9,323 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very High). 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 | $814,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)