Home Insurance in Temecula, California
Homes in Temecula carry a median value of $679,700 - 22% higher than the Riverside County median.
The typical home in Temecula was built around 1998. About 2% of homes were built before 1960, about 8 points below Riverside County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Temecula breaks down to 80% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
80% of owner-occupied homes in Temecula carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Temecula are owner-occupied.
Most homes in Temecula - 75% - 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 | $679,700 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)