Home Insurance in Norco, California
Homes in Norco carry a median value of $782,400 - 40% higher than the Riverside County median.
The typical home in Norco was built around 1975. About 18% of homes were built before 1960, about 9 points above Riverside County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Norco breaks down to 96% single-family homes and 3% apartments in buildings with 5+ units.
In Norco, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Norco are owner-occupied.
Most homes in Norco - 80% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $782,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)