Home Insurance in Imperial Beach, California
The median home value in Imperial Beach is $857,000, close to the San Diego County median.
The typical home in Imperial Beach was built around 1971. About 32% of homes were built before 1960, about 15 points above San Diego County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Imperial Beach breaks down to 53% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Imperial Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Imperial Beach has an owner-occupancy rate of 31% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
62% of homes in Imperial Beach are primarily heated with natural gas.
What's the biggest home insurance risk near Imperial Beach? FEMA's National Risk Index points to wildfire (Very High) in San Diego County and 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.
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 | $857,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)