Home Insurance in Huntington Beach, California
With a median home value of $1,100,000, Huntington Beach is 14% higher than the Orange County median.
The typical home in Huntington Beach was built around 1974. About 6% of homes were built before 1960, about 10 points below Orange County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Huntington Beach, the housing stock is 59% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. 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 Huntington Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Huntington Beach are owner-occupied.
In Huntington Beach, 74% of homes 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.
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 | $1,100,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 55% |
| 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)