Homeowners Insurance in Irvine, CA

For a home at Irvine's median value of $1,191,500, we estimate about $2,395 a year — +45% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Irvine

Est. premium

$2,395

$200/mo · median home

Median home value

$1,191,500

California: $734,700

Median year built

2002

Census ACS

Owner-occupied

44.5%

of households

Hazard score

67.5

state ref. 70.2

Irvine's estimate reflects its home values (62% higher than the state median) and FEMA's hazard profile for Orange County.

Natural hazard risk in Irvine

FEMA National Risk Index — Orange County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	79.6	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	83.7	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	92.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	52.3	Comprehensive; dwelling
Winter weather	Very Low	1.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	99.8	Comprehensive; dwelling
Earthquake	Very High	99.9	Home needs a separate earthquake policy
Lightning	Relatively Moderate	66.9	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Irvine

Dwelling value	Wood frame	Brick / masonry
$200,000	$575	$530
$300,000	$795	$730
$500,000	$1,195	$1,100
$750,000	$1,655	$1,525

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Irvine

ZIP	Median home value	Owner-occupied	Est. premium
92618	$1,283,800	40.5%	$2,545
92620	$1,267,800	55.7%	$2,520
92612	$993,800	26.1%	$2,075
92614	$1,076,700	38.7%	$2,210
92602	$1,502,000	49.0%	$2,885
92604	$1,058,000	63.4%	$2,180
92617	$693,700	35.6%	$1,555
92606	$1,141,100	35.9%	$2,315
92603	$1,931,700	55.0%	$3,530

Homeowners insurance in California · Car insurance in Irvine · Insurance offices near Irvine

Frequently asked questions

How much is homeowners insurance in Irvine?

For a home at Irvine's median value of $1,191,500, we estimate about $2,395 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.

What are the biggest natural hazards in Irvine?

FEMA's National Risk Index rates Orange County relatively high or very high for inland (river) flooding, coastal flooding, wildfire, and earthquake.

Does the age of homes in Irvine affect insurance?

Yes. The median home in Irvine was built in 2002 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Orange County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page