Home Insurance in National City, California
The median home value in National City is $612,200, 28% lower than the San Diego County median.
The typical home in National City was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 18 points above San Diego County's 17%.
Housing in National City breaks down to 49% single-family homes, 38% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
60% of owner-occupied homes in National City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
National City has an owner-occupancy rate of 35% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in National City - 51% - are primarily heated with natural gas.
San Diego County's top FEMA-rated hazard is wildfire (Very High), per FEMA's National Risk Index. 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 | $612,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)