Home Insurance in Seal Beach, California
With a median home value of $486,800, Seal Beach is 49% lower than the Orange County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Seal Beach was built around 1966. About 18% of homes were built before 1960, about 1 point above Orange County's 17%.
The housing stock in Seal Beach is 57% single-family homes, 36% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 31% of owner-occupied homes in Seal Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Seal Beach has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Seal Beach, 58% of homes are primarily heated with electricity.
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 | $486,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)