Home Insurance in Yucca Valley, California
Homes in Yucca Valley carry a median value of $363,400 - 28% lower than the San Bernardino County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Yucca Valley was built around 1978. About 17% of homes were built before 1960, about 1 point below San Bernardino County's 18%.
In Yucca Valley, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Yucca Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Yucca Valley has an owner-occupancy rate of 63% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Yucca Valley - 65% - are primarily heated with natural gas.
San Bernardino County's top FEMA-rated hazard is wildfire (Very High), per FEMA's National Risk Index. 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 | $363,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
- Desert Hot Springs
- Cathedral City
- Twentynine Palms
- Palm Springs
- Rancho Mirage
- Big Bear Lake
- Indio
- Indian Wells
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)