Home Insurance in Orange, California
The median home value in Orange is $945,800, close to the Orange County median.
The typical home in Orange was built around 1973. About 20% of homes were built before 1960, about 3 points above Orange County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Orange is 66% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Orange carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Orange are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Orange 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.
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 | $945,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)