Home Insurance in Calimesa, California
Homes in Calimesa carry a median value of $446,300 - 20% lower than the Riverside County median.
The typical home in Calimesa was built around 1983. About 11% of homes were built before 1960, about 1 point above Riverside County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Calimesa is 68% single-family homes, 2% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
About 65% of owner-occupied homes in Calimesa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Calimesa are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Calimesa - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Calimesa? FEMA's National Risk Index points to wildfire (Very High) in Riverside County and 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $446,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)