Home Insurance in Perris, California
With a median home value of $474,700, Perris is 15% lower than the Riverside County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Perris was built around 2000. About 7% of homes were built before 1960, about 2 points below Riverside County's 9%.
The housing stock in Perris is 82% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in Perris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Perris has an owner-occupancy rate of 69% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
69% of homes in Perris are primarily heated with natural gas.
FEMA rates Riverside County's overall risk as Very High, led by wildfire (Very High). 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.
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 | $474,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)