Home Insurance in Solana Beach, California
Solana Beach's median home value is $2,000,000+.
The typical home in Solana Beach was built around 1976. About 13% of homes were built before 1960, about 4 points below 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 Solana Beach is 66% single-family homes and 27% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Solana Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Solana Beach are owner-occupied.
Most homes in Solana Beach - 59% - 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 | $2,000,000+ |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 68% |
| 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)