Home Insurance in Murrieta, California
The median home value in Murrieta is $639,800, 15% higher than the Riverside County median.
The typical home in Murrieta was built around 2000. About 2% of homes were built before 1960, about 8 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.
In Murrieta, the housing stock is 78% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Murrieta, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Murrieta has an owner-occupancy rate of 70% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
76% of homes in Murrieta are primarily heated with natural gas.
What's the biggest home insurance risk near Murrieta? 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 | $639,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 70% |
| 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)