Home Insurance in Highland, California
The median home value in Highland is $485,600, close to the San Bernardino County median.
The typical home in Highland was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 4 points above San Bernardino County's 18%.
The housing stock in Highland is 77% single-family homes, 13% 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.
About 69% of owner-occupied homes in Highland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Highland has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
70% of homes in Highland 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.
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 | $485,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)