Home Insurance in Upland, California
The median home value in Upland is $739,400, 46% higher than the San Bernardino County median.
The typical home in Upland was built around 1978. About 17% of homes were built before 1960, in line with San Bernardino County (18%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Upland is 67% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 70% of owner-occupied homes in Upland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Upland are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Upland, 74% of homes 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.
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 | $739,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)