Home Insurance in Lompoc, California
Homes in Lompoc carry a median value of $472,900 - 40% lower than the Santa Barbara County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lompoc was built around 1976. About 17% of homes were built before 1960, about 6 points below Santa Barbara County's 22%.
In Lompoc, the housing stock is 60% single-family homes, 20% apartments in buildings with 5+ units and 6% 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 60% of owner-occupied homes in Lompoc have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Lompoc are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Lompoc are primarily heated with natural gas.
Santa Barbara County had 3,738 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Santa Barbara County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $472,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Santa Barbara County | 3,738 |
| 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)