Home Insurance in San Juan Capistrano, California
With a median home value of $993,800, San Juan Capistrano is close to the Orange County median.
The typical home in San Juan Capistrano was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 12 points below Orange County's 17%.
The housing stock in San Juan Capistrano is 77% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In San Juan Capistrano, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
San Juan Capistrano has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
77% of homes in San Juan Capistrano 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 | $993,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Dana Point
- Laguna Niguel
- San Clemente
- Laguna Hills
- Laguna Beach
- Aliso Viejo
- Mission Viejo
- Laguna Woods
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)