Home Insurance in San Bernardino County, California
With a median home value of $505,000, San Bernardino County is 31% lower than the California median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in San Bernardino County was built around 1983. About 18% of homes were built before 1960, about 9 points below California's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Bernardino County is 75% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In San Bernardino County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in San Bernardino County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in San Bernardino County are primarily heated with natural gas.
The top hazards for San Bernardino County, per FEMA's National Risk Index, are wildfire (Very High), inland flooding (Very High) and earthquake (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, San Bernardino County has 2,303 active NFIP flood policies on file.
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 | $505,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very High), Inland Flooding (Very High), Earthquake (Very High) |
| Active NFIP flood policies (county) | 2,303 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
- Apple Valley
- Barstow
- Big Bear Lake
- Chino
- Colton
- Fontana
- Grand Terrace
- Hesperia
- Highland
- Loma Linda
- Montclair
- Needles
- Ontario
- Rancho Cucamonga
- Redlands
- Rialto
- San Bernardino
- Twentynine Palms
- Upland
- Victorville
- Yucaipa
- Yucca Valley
Smaller communities
-
Adelanto
- Median home value: $349,100
- Median year built: 1998
- Owner-occupied share: 62%
-
Chino Hills
- Median home value: $874,900
- Median year built: 1990
- Owner-occupied share: 69%
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)