Home Insurance in Beaumont, California
The median home value in Beaumont is $503,500, 10% lower than the Riverside County median.
The typical home in Beaumont was built around 2006. About 8% of homes were built before 1960, about 2 points below Riverside County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Beaumont is 91% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Beaumont, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Beaumont has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Beaumont - 81% - are primarily heated with natural gas.
FEMA rates Riverside County's overall risk as Very High, led by wildfire (Very High). Riverside County had 3,731 active NFIP flood policies as of September 2026. See the full Riverside County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $503,500 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Wildfire (Very High) |
| Active NFIP policies in Riverside County | 3,731 |
| 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)