Home Insurance in Pismo Beach, California
The median home value in Pismo Beach is $1,021,300, 24% higher than the San Luis Obispo County median.
The typical home in Pismo Beach was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, in line with San Luis Obispo County (16%).
The housing stock in Pismo Beach is 64% single-family homes, 10% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Pismo Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pismo Beach has an owner-occupancy rate of 65% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
76% of homes in Pismo Beach are primarily heated with natural gas.
San Luis Obispo County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. San Luis Obispo County had 1,608 active NFIP flood policies as of September 2026. See the full San Luis Obispo 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 | $1,021,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in San Luis Obispo County | 1,608 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
- Grover Beach
- Arroyo Grande
- San Luis Obispo
- Guadalupe
- Morro Bay
- Santa Maria
- Atascadero
- El Paso de Robles (Paso Robles)
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)