Home Insurance in San Clemente, California
Homes in San Clemente carry a median value of $1,398,400 - 45% higher than the Orange County median.
The typical home in San Clemente was built around 1983. About 12% of homes were built before 1960, about 5 points below Orange County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in San Clemente breaks down to 68% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in San Clemente have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Clemente has an owner-occupancy rate of 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in San Clemente - 74% - 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.
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 | $1,398,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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
- San Juan Capistrano
- Dana Point
- Laguna Niguel
- Laguna Beach
- Laguna Hills
- Aliso Viejo
- Mission Viejo
- Rancho Santa Margarita
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)