Home Insurance in Rancho Cucamonga, California
With a median home value of $740,200, Rancho Cucamonga is 47% higher than the San Bernardino County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rancho Cucamonga was built around 1988. About 4% of homes were built before 1960, about 13 points below San Bernardino County's 18%.
The housing stock in Rancho Cucamonga is 70% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Rancho Cucamonga, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Rancho Cucamonga are owner-occupied.
74% of homes in Rancho Cucamonga are primarily heated with natural gas.
What's the biggest home insurance risk near Rancho Cucamonga? 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 | $740,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 62% |
| 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)