Home Insurance in Hemet, California
The median home value in Hemet is $352,200, 37% lower than the Riverside County median.
The typical home in Hemet was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 1 point below Riverside County's 9%.
In Hemet, the housing stock is 58% single-family homes, 13% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Hemet carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hemet has an owner-occupancy rate of 62% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hemet - 76% - are primarily heated with natural gas.
Riverside County's top FEMA-rated hazard is wildfire (Very High), per FEMA's National Risk Index. 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 | $352,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)