Home Insurance in Fontana, California
With a median home value of $586,800, Fontana is 16% higher than the San Bernardino County median.
The typical home in Fontana was built around 1989. About 13% of homes were built before 1960, about 5 points below San Bernardino County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Fontana, the housing stock is 81% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 77% of owner-occupied homes in Fontana have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Fontana are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Fontana are primarily heated with natural gas.
FEMA rates San Bernardino County's overall risk as Very High, led by wildfire (Very High). 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.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $586,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)