Home Insurance in Lemon Grove, California
With a median home value of $705,400, Lemon Grove is 17% lower than the San Diego 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 Lemon Grove was built around 1969. About 39% of homes were built before 1960, about 22 points above San Diego County's 17%.
The housing stock in Lemon Grove is 70% single-family homes and 21% apartments in buildings with 5+ units.
85% of owner-occupied homes in Lemon Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Lemon Grove are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lemon Grove, 56% 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $705,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)