Home Insurance in San Diego, California
With a median home value of $906,700, San Diego is 6% higher than the San Diego County median.
The typical home in San Diego was built around 1979. About 20% of homes were built before 1960, about 4 points above San Diego County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in San Diego is 53% single-family homes, 38% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In San Diego, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in San Diego are owner-occupied.
Most homes in San Diego - 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.
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 | $906,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)