Home Insurance in Riverside County, California
Homes in Riverside County carry a median value of $557,300 - 24% lower than the California median.
The typical home in Riverside County was built around 1990. About 9% of homes were built before 1960, about 17 points below California's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Riverside County is 75% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 69% of owner-occupied homes in Riverside County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Riverside County has an owner-occupancy rate of 69% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Riverside County, 70% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Riverside County's top hazards are wildfire (Very High), inland flooding (Very High) and earthquake (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Riverside County had 3,731 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $557,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very High), Inland Flooding (Very High), Earthquake (Very High) |
| Active NFIP flood policies (county) | 3,731 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
- Banning
- Beaumont
- Blythe
- Calimesa
- Cathedral City
- Coachella
- Corona
- Desert Hot Springs
- Eastvale
- Hemet
- Indian Wells
- Indio
- La Quinta
- Lake Elsinore
- Menifee
- Murrieta
- Norco
- Palm Springs
- Perris
- Rancho Mirage
- Riverside
- San Jacinto
- Temecula
- Wildomar
Smaller communities
-
Canyon Lake
- Median home value: $699,600
- Median year built: 1985
- Owner-occupied share: 85%
-
Jurupa Valley
- Median home value: $574,600
- Median year built: 1979
- Owner-occupied share: 70%
-
Moreno Valley
- Median home value: $503,700
- Median year built: 1988
- Owner-occupied share: 63%
-
Palm Desert
- Median home value: $542,000
- Median year built: 1985
- Owner-occupied share: 65%
Sources
- 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)