Home Insurance in Chino, California
With a median home value of $683,400, Chino is 35% higher than the San Bernardino County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chino was built around 1987. About 8% of homes were built before 1960, about 10 points below San Bernardino County's 18%.
In Chino, the housing stock is 78% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in Chino have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chino has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
78% of homes in Chino are primarily heated with natural gas.
San Bernardino County's top FEMA-rated hazard is wildfire (Very High), per FEMA's National Risk Index. San Bernardino County had 2,303 active NFIP flood policies as of September 2026. See the full San Bernardino 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 | $683,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Wildfire (Very High) |
| Active NFIP policies in San Bernardino County | 2,303 |
| 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)