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Home insurance & natural hazards in Los Angeles County, CA

Calm, plain facts for homeowners in Los Angeles County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 9,571 FEMA NFIP policies
  • 15 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Los Angeles at a glance

Four numbers most homeowners ask about first.

$1,492
Typical home premium

Per policy per year in 2022, median of 268 ZIP codes (inflation-adjusted).

$1,381
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

1.18%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Very high
FEMA risk rating

Overall National Risk Index rating, higher than 100.0% of U.S. counties.

Los Angeles County in numbers
10.01M
residents (2020 Census)
3.6%
of policies had a paid claim (2022, median ZIP)
$26,974
average paid claim (2022, median ZIP)
9,571
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Los Angeles County were $1,492 per policy in 2022, 8% below the typical California ZIP code ($1,617) and 4% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 21% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
Los AngelesCaliforniaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $1,381, compared with $1,078 in 2022. About 33% of local policies are for homes in high-risk A or V zones and 65% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

9,571 policies
A zones 29%X/B/C zones 65%V zones 3%Other/unrated 3%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Los Angeles compares with every U.S. county for each hazard (100 = highest). Earthquake, inland flooding and wildfire rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Orange County$1,6671.09%$1,166
Ventura County$1,6431.48%$1,379
Los Angeles County$1,4921.18%$1,381
San Bernardino County$1,3761.76%$1,378
Kern County$1,2031.21%$1,001

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
90803 Long Beach877$1,850
90265 Malibu672$2,692
90291 Venice596$1,564
90049 Los Angeles338$1,011
90210 Beverly Hills307$1,116
90019 Los Angeles268$2,079
90064 Los Angeles262$959
90046 Los Angeles204$936

ZIP code pages in Los Angeles County

90001 Los Angeles90002 Los Angeles90003 Los Angeles90004 Los Angeles90008 Los Angeles90011 Los Angeles90016 Los Angeles90018 Los Angeles90019 Los Angeles90022 Los Angeles90023 Los Angeles90024 Los Angeles90025 Los Angeles90026 Los Angeles90027 Los Angeles90031 Los Angeles90032 Los Angeles90034 Los Angeles90035 Los Angeles90036 Los Angeles90037 Los Angeles90039 Los Angeles90041 Los Angeles90042 Los Angeles90043 Los Angeles90044 Los Angeles90045 Los Angeles90046 Los Angeles90047 Los Angeles90048 Los Angeles90049 Los Angeles90056 Los Angeles90059 Los Angeles90061 Los Angeles90062 Los Angeles90063 Los Angeles90064 Los Angeles90065 Los Angeles90066 Los Angeles90068 Los Angeles90069 West Hollywood90077 Los Angeles90201 Bell Gardens90210 Beverly Hills90220 Compton90221 Compton90222 Compton90230 Culver City90232 Culver City90240 Downey90241 Downey90242 Downey90245 El Segundo90247 Gardena90248 Gardena90249 Gardena90250 Hawthorne90254 Hermosa Beach90255 Huntington Park90260 Lawndale90262 Lynwood90265 Malibu90266 Manhattan Beach90272 Pacific Palisades90274 Palos Verdes Peninsula90275 Rancho Palos Verdes90277 Redondo Beach90278 Redondo Beach90280 South Gate90291 Venice90301 Inglewood90302 Inglewood90303 Inglewood90304 Inglewood90305 Inglewood90402 Santa Monica90405 Santa Monica90501 Torrance90502 Torrance90503 Torrance90504 Torrance90505 Torrance90601 Whittier90602 Whittier90603 Whittier90604 Whittier90605 Whittier90606 Whittier90638 La Mirada90640 Montebello90650 Norwalk90660 Pico Rivera90670 Santa Fe Springs90701 Artesia90703 Cerritos90706 Bellflower90710 Harbor City90712 Lakewood90713 Lakewood90715 Lakewood90717 Lomita90723 Paramount90731 San Pedro90732 San Pedro90744 Wilmington90745 Carson90746 Carson90803 Long Beach90804 Long Beach90805 Long Beach90806 Long Beach90807 Long Beach90808 Long Beach90810 Long Beach90814 Long Beach90815 Long Beach91001 Altadena91006 Arcadia91007 Arcadia91010 Duarte91011 La Canada Flintridge91016 Monrovia91024 Sierra Madre91030 South Pasadena91040 Sunland91042 Tujunga91103 Pasadena91104 Pasadena91105 Pasadena91106 Pasadena91107 Pasadena91108 San Marino91201 Glendale91202 Glendale91205 Glendale91206 Glendale91207 Glendale91208 Glendale91214 La Crescenta91301 Agoura Hills91302 Calabasas91303 Canoga Park91304 Canoga Park91306 Winnetka91307 West Hills91311 Chatsworth91316 Encino91321 Newhall91324 Northridge91325 Northridge91326 Porter Ranch91331 Pacoima91335 Reseda91340 San Fernando91342 Sylmar91343 North Hills91344 Granada Hills91345 Mission Hills91350 Santa Clarita91351 Canyon Country91352 Sun Valley91354 Valencia91355 Valencia91356 Tarzana91364 Woodland Hills91367 Woodland Hills91381 Stevenson Ranch91384 Castaic91387 Canyon Country91390 Santa Clarita91401 Van Nuys91402 Panorama City91403 Sherman Oaks91405 Van Nuys91406 Van Nuys91411 Van Nuys91423 Sherman Oaks91436 Encino91501 Burbank91504 Burbank91505 Burbank91506 Burbank91601 North Hollywood91602 North Hollywood91604 Studio City91605 North Hollywood91606 North Hollywood91607 Valley Village91702 Azusa91706 Baldwin Park91711 Claremont91722 Covina91723 Covina91724 Covina91731 El Monte91732 El Monte91733 South El Monte91740 Glendora91741 Glendora91744 La Puente91745 Hacienda Heights91746 La Puente91748 Rowland Heights91750 La Verne91754 Monterey Park91755 Monterey Park91765 Diamond Bar91766 Pomona91767 Pomona91768 Pomona91770 Rosemead91773 San Dimas91775 San Gabriel91776 San Gabriel91780 Temple City91789 Walnut91790 West Covina91791 West Covina91792 West Covina91801 Alhambra91803 Alhambra92397 Wrightwood93510 Acton93534 Lancaster93535 Lancaster93536 Lancaster93543 Littlerock93550 Palmdale93551 Palmdale93552 Palmdale

Practical next steps

Simple things Los Angeles homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.