Home Insurance in Montclair, California
With a median home value of $569,100, Montclair is 13% higher than the San Bernardino County median.
The typical home in Montclair was built around 1969. About 31% of homes were built before 1960, about 13 points above San Bernardino County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Montclair is 64% single-family homes, 18% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Montclair have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Montclair are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Montclair are primarily heated with natural gas.
What's the biggest home insurance risk near Montclair? 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 | $569,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 55% |
| 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)