Home Insurance in Loma Linda, California
Homes in Loma Linda carry a median value of $596,900 - 18% higher than the San Bernardino County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Loma Linda was built around 1984. About 13% of homes were built before 1960, about 5 points below San Bernardino County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Loma Linda is 53% single-family homes, 30% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Loma Linda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Loma Linda are owner-occupied.
In Loma Linda, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Loma Linda? FEMA's National Risk Index points to wildfire (Very High) in San Bernardino County and 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 | $596,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)