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Common Elements
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Insurance
Common Elements Insurance routes your association to licensed P&C agents who know HOA and condo coverage: tower placements, wind, flood, and D&O in Florida's hard market. One short form, no spam network.
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Data sourced from California Secretary of State filings, county public records, FEMA, and the U.S. Census Bureau. Not legal advice. Consult association counsel for governance questions.
Participates in the National Flood Insurance Program · VISTA, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Source: FEMA NFIP community-status records
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Source: County property appraiser parcel roll
Annual change in ZIP 92028
2020 +3.7% · 2021 +14.3% · 2022 +17.6% · 2023 +5.4% · 2024 +7.0% · 2025 -1.0%
Area price appreciation for context, not an appraisal of this association or any unit. FHFA labels this index developmental: it is built from Fannie Mae and Freddie Mac mortgage data, and small housing markets are suppressed.
Source: FHFA All-Transactions House Price Index · as of Mar 2026
Most recent significant event in San Diego County: Flood, Jan 1, 2026.
County-level weather records from the NOAA NCEI Storm Events Database, for context. NOAA logs each event for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe San Diego County as a whole, never this association's own loss history.
Source: NOAA NCEI Storm Events Database · events since 2015
Source: Common Elements directory
Homeowners insurance in ZIP 92028 · 2022
Average premium changed +38.3% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Source: U.S. Treasury Federal Insurance Office (FIO) homeowners filings, 2018–2022