Home Insurance in Indio, California
The median home value in Indio is $458,400, 18% lower than the Riverside County median.
The typical home in Indio was built around 2000. About 8% of homes were built before 1960, about 2 points below Riverside County's 9%. 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 Indio is 71% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
62% of owner-occupied homes in Indio carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Indio are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Indio, 65% of homes are primarily heated with natural gas.
Riverside County had 3,731 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very High). 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 | $458,400 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Indian Wells
- Coachella
- La Quinta
- Rancho Mirage
- Cathedral City
- Palm Springs
- Desert Hot Springs
- Yucca Valley
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)