Home Insurance in Ontario, California
Homes in Ontario carry a median value of $607,600 - 20% higher than the San Bernardino County median.
The typical home in Ontario was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 5 points above 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 Ontario is 67% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
73% of owner-occupied homes in Ontario carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ontario has an owner-occupancy rate of 58% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
72% of homes in Ontario are primarily heated with natural gas.
What's the biggest home insurance risk near Ontario? 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.
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 | $607,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)