Home Insurance in Del Mar, California
Del Mar's median home value is $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Del Mar was built around 1971. About 29% of homes were built before 1960, about 12 points above San Diego County's 17%.
The housing stock in Del Mar is 67% single-family homes and 29% apartments in buildings with 5+ units.
In Del Mar, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Del Mar are owner-occupied.
In Del Mar, 43% of homes are primarily heated with natural gas.
FEMA rates San Diego County's overall risk as Very High, led by wildfire (Very High). San Diego County had 8,393 active NFIP flood policies as of September 2026. See the full San Diego 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 | $2,000,000+ |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Very High) |
| Active NFIP policies in San Diego County | 8,393 |
| 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)