Home Insurance in Redlands, California
The median home value in Redlands is $618,900, 23% 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 Redlands was built around 1976. About 26% of homes were built before 1960, about 8 points above San Bernardino County's 18%.
In Redlands, the housing stock is 67% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Redlands carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Redlands are owner-occupied.
Most homes in Redlands - 77% - are primarily heated with natural gas.
San Bernardino County had 2,303 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very High). 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 | $618,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 57% |
| 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)