Laguna Beach, CA

Census Place

Add Comparison

2019 Population

23,036

0.48% 1-year decline

US Senator

Dianne Feinstein

Democratic Party

US Senator

Alex Padilla

Democratic Party

2019 Median Age

51.7

0.193% 1-year decrease

2019 Poverty Rate

6.32%

6.89% 1-year decrease

2019 Median Household Income

$129,983

7% 1-year growth

2019 Median Property Value

$1.77M

4.19% 1-year growth

2019 Employed Population

11,458

2.72% 1-year decline

About

In 2019, Laguna Beach, CA had a population of 23k people with a median age of 51.7 and a median household income of $129,983. Between 2018 and 2019 the population of Laguna Beach, CA declined from 23,147 to 23,036, a −0.48% decrease and its median household income grew from $121,474 to $129,983, a 7% increase.

The 5 largest ethnic groups in Laguna Beach, CA are White (Non-Hispanic) (83.4%), White (Hispanic) (6.05%), Asian (Non-Hispanic) (3.7%), Two+ (Non-Hispanic) (3.2%), and Other (Hispanic) (1.88%). 0% of the households in Laguna Beach, CA speak a non-English language at home as their primary language.

95.4% of the residents in Laguna Beach, CA are U.S. citizens.

The largest universities in Laguna Beach, CA are Laguna College of Art and Design (135 degrees awarded in 2019).

In 2019, the median property value in Laguna Beach, CA was $1.77M, and the homeownership rate was 64.3%. Most people in Laguna Beach, CA drove alone to work, and the average commute time was 22.9 minutes. The average car ownership in Laguna Beach, CA was 2 cars per household.

Photo by John Sonderman

United States California Orange County, CA Los Angeles-Long Beach-Anaheim, CA San Clemente, Laguna Niguel & San Juan Capistrano Cities PUMA, CA Newport Beach, Aliso Viejo & Laguna Hills Cities PUMA, CA

Diversity

Laguna Beach, CA is home to a population of 23k people, from which 95.4% are citizens. As of 2019, 13.2% of Laguna Beach, CA residents were born outside of the country (3.03k people).

In 2019, there were 13.8 times more White (Non-Hispanic) residents (19.2k people) in Laguna Beach, CA than any other race or ethnicity. There were 1.39k White (Hispanic) and 853 Asian (Non-Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Laguna Beach, CA

White (Non-Hispanic)
19.2k ± 565
White (Hispanic)
1.39k ± 376
Asian (Non-Hispanic)
853 ± 198

8.21%

Hispanic Population

1.89k people

8.21% of the people in Laguna Beach, CA are hispanic (1.89k people).

The following chart shows the 7 races represented in Laguna Beach, CA as a share of the total population.

Heritage

Foreign-Born Population

13.2%

2019 Foreign-Born Population

3.03k people

13%

2018 Foreign-Born Population

3.01k people

As of 2019, 13.2% of Laguna Beach, CA residents (3.03k people) were born outside of the United States, which is lower than the national average of 13.7%. In 2018, the percentage of foreign-born citizens in Laguna Beach, CA was 13%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Laguna Beach, CA compared to that of it's neighboring and parent geographies.

Age by Nativity

Median Native-Born Age

± 1.6

Median Foreign-Born Age

± 3.1

In 2019, the median age of all people in Laguna Beach, CA was 51.7. Native-born citizens, with a median age of 51, were generally younger than foreign-born citizens, with a median age of 54. But people in Laguna Beach, CA are getting getting younger. In 2018, the average age of all Laguna Beach, CA residents was 52.

Global Diversity

The PUMS dataset is not available at the Place level, so we are showing data for California.

Most Common Origin

Mexico
4,083,367 ± 46,962 people
Philippines
839,299 ± 22,251 people
China
667,994 ± 19,895 people

In 2019, the most common birthplace for the foreign-born residents of California was Mexico, the natal country of 4,083,367 California residents, followed by Philippines with 839,299 and China with 667,994.

Citizenship

95.4%

2019 Citizenship

95.6%

2018 Citizenship

As of 2019, 95.4% of Laguna Beach, CA residents were US citizens, which is higher than the national average of 93.4%. In 2018, the percentage of US citizens in Laguna Beach, CA was 95.6%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Laguna Beach, CA compared to that of it's neighboring and parent geographies.

Military

Veterans

Most Common Service Period

Vietnam
521 ± 132
Korea
251 ± 157
Gulf War (2001-)
121 ± 69

Laguna Beach, CA has a large population of military personnel who served in Vietnam, 2.08 times greater than any other conflict.

COVID-19

Daily New Cases by Date

Showing data at the state level for California. Hospitalization data for some states may be delayed or not reported.

Y-Axis

This chart shows the number of COVID-19 daily new cases by date in California, as a 7-day rolling average, compared with the four states with the most similar number of confirmed cases.

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Unemployment Insurance Claims

Data is only available at the state level. Showing data for California.

This chart shows weekly unemployment insurance claims in California (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

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Employment by Industry Sector

Data is only available at the state level. Showing data for California.

Y-Axis

8.45%

Year-over-year growth

Employment change between May 2020 and May 2021

As of May 2021, there are 145M people employed in California. This represents a 8.45% increase in employment when compared to May 2020.

The following chart shows monthly employment numbers for each industry sector in California.

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Community Mobility

Data is only available at the state level. Showing data for California.

This chart presents movement trends over time in the state of California across different categories of places such as retail and recreation, groceries and pharmacies, parks, transit stations, workplaces, and residential.

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Economy

Median household income in Laguna Beach, CA is $129,983. In 2019, the place with the highest median household income in Laguna Beach, CA was Census Tract 423.05 with a value of $177,344, followed by Census Tract 626.20 and Census Tract 626.19, with respective values of $160,556 and $136,688.

Males in California have an average income that is 1.26 times higher than the average income of females, which is $62,156. The income inequality in California (measured using the Gini index) is 0.499, which is higher than than the national average.

The economy of Laguna Beach, CA employs 11.5k people. The largest industries in Laguna Beach, CA are Professional, Scientific, & Technical Services (2,584 people), Retail Trade (1,156 people), and Health Care & Social Assistance (944 people), and the highest paying industries are Utilities ($196,354), Finance & Insurance ($161,250), and Health Care & Social Assistance ($133,438).

Wages

Median Household Income

$129,983

2019 value

± $11,479

1 Year Growth

± 12%

Households in Laguna Beach, CA have a median annual income of $129,983, which is more than the median annual income of $65,712 across the entire United States. This is in comparison to a median income of $121,474 in 2018, which represents a 7% annual growth.

The following chart shows how the median household income in Laguna Beach, CA compares to that of its neighboring and parent geographies.

Wage by Gender in Common Jobs

The PUMS dataset is not available at the Place level, so we are showing data for California.

$78,556

Average Male Salary in California

± $756

$62,156

Average Female Salary in California

± $629

In 2019, full-time male employees in California made 1.26 times more than female employees.

This chart shows the gender-based wage disparity in the 5 most common occupations in California by number of full-time employees.

Wage by Race and Ethnicity in Common Jobs

The PUMS dataset is not available at the Place level, so we are showing data for California.

Highest Average Salaries by Race & Ethnicity in California

Asian
$73,480 ± $1,183
White
$65,253 ± $608
Two or More Races
$54,888 ± $1,917

In 2019 the highest paid race/ethnicity of California workers was Asian. These workers were paid 1.13 times more than White workers, who made the second highest salary of any race/ethnicity in California.

This chart shows the race- and ethnicity-based wage disparities in the 5 most common occupations in California by number of full-time employees.

Wage Distribution

The closest comparable wage GINI for Laguna Beach, CA is from California.

0.499

2019 Wage GINI in California

0.5

2018 Wage GINI in California

In 2019, the income inequality in California was 0.499 according to the GINI calculation of the wage distribution. Income inequality had a 0.144% decline from 2018 to 2019, which means that wage distribution grew somewhat more even. The GINI for California was higher than than the national average of 0.478. In other words, wages are distributed less evenly in California in comparison to the national average.

This chart shows the number of workers in California across various wage buckets compared to the national average.

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

Census Tract 423.05
Census Tract 626.20
Census Tract 626.19

In 2019, the place with the highest Median Household Income (Total) in Laguna Beach, CA was Census Tract 423.05 with a value of $177,344, followed by Census Tract 626.20 and Census Tract 626.19, with respective values of $160,556 and $136,688.

The following map shows all of the places in Laguna Beach, CA colored by their Median Household Income (Total).

Poverty by Age and Gender

Males 18 - 24

Largest Demographic Living in Poverty

6.32% of the population for whom poverty status is determined in Laguna Beach, CA (1.45k out of 22.9k people) live below the poverty line, a number that is lower than the national average of 12.3%. The largest demographic living in poverty are Males 18 - 24, followed by Females 55 - 64 and then Males 55 - 64.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Poverty by Race and Ethnicity

Largest Race or Ethnicity Living in Poverty

White
1,177 ± 251
Hispanic
132 ± 118
Asian
126 ± 127

The most common racial or ethnic group living below the poverty line in Laguna Beach, CA is White, followed by Hispanic and Asian.

Occupations

Employment by Occupations

11.5k

2019 Value

± 779

−2.72%

1 Year decline

± 9.93%

From 2018 to 2019, employment in Laguna Beach, CA declined at a rate of −2.72%, from 11.8k employees to 11.5k employees.

The most common job groups, by number of people living in Laguna Beach, CA, are Management Occupations (2,563 people), Sales & Related Occupations (1,648 people), and Business & Financial Operations Occupations (1,210 people). This chart illustrates the share breakdown of the primary jobs held by residents of Laguna Beach, CA.

Most Common

The most common jobs held by residents of Laguna Beach, CA, by number of employees, are Management Occupations (2,563 people), Sales & Related Occupations (1,648 people), and Business & Financial Operations Occupations (1,210 people).

Most Specialized

Compared to other places, Laguna Beach, CA has an unusually high number of residents working as Legal Occupations (3.03 times higher than expected), Arts, Design, Entertainment, Sports, & Media Occupations (2.53 times), and Management Occupations (2.2 times).

Highest Paid

The highest paid jobs held by residents of Laguna Beach, CA, by median earnings, are Fire Fighting & Prevention, & Other Protective Service Workers Including Supervisors ($212,500), Health Diagnosing & Treating Practitioners & Other Technical Occupations ($202,578), and Healthcare Practitioners & Technical Occupations ($194,083).

Industries

Employment by Industries

11.5k

2019 Value

± 779

−2.72%

1 Year decline

± 9.93%

From 2018 to 2019, employment in Laguna Beach, CA declined at a rate of −2.72%, from 11.8k employees to 11.5k employees.

The most common employment sectors for those who live in Laguna Beach, CA, are Professional, Scientific, & Technical Services (2,584 people), Retail Trade (1,156 people), and Health Care & Social Assistance (944 people). This chart shows the share breakdown of the primary industries for residents of Laguna Beach, CA, though some of these residents may live in Laguna Beach, CA and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Laguna Beach, CA, by number of employees, are Professional, Scientific, & Technical Services (2,584 people), Retail Trade (1,156 people), and Health Care & Social Assistance (944 people).

Most Specialized

Compared to other places, Laguna Beach, CA has an unusually high number of Real Estate & Rental & Leasing (3.67 times higher than expected), Professional, Scientific, & Technical Services (3.11 times), and Information (1.47 times) industries.

Highest Paying

The highest paying industries in Laguna Beach, CA, by median earnings, are Utilities ($196,354), Finance & Insurance ($161,250), and Health Care & Social Assistance ($133,438).

Domestic Trade

Domestic Production & Consumption

Domestic production and consumption consists of products and services shipped from California to other states, or from other states to California.

Top Domestic Production in Dollars

In 2018, the top outbound California product (by dollars) was Electronics with $379B, followed by Motorized vehicles ($199B) and Mixed freight ($157B).

The following chart shows the share of these products in relation to all outbound California products.

Domestic Trade Growth

Showing data for California.

$2.18T

2018 Value in California

$5.17T

Projected 2045 Value in California

137% growth

In 2018, total outbound California trade was $2.18T. This is expected to increase 137% to $5.17T by 2045.

The following chart shows how the domestic outbound California trade is projected to change in comparison to its neighboring states.

Interstate Trade

Interstate trade consists of products and services shipped from California to other states, or from other states to California.

Most Common Trade Partners

Texas
$86.9B
Arizona
$47.9B
Washington
$39.1B

In 2018, the top outbound California domestic partner for goods and services (by dollars) was Texas with $86.9B, followed by Arizona with $47.9B and Washington and $39.1B.

The following map shows the amount of trade that California shares with each state (excluding itself).

Civics

In the 2016 presidential election, the popular vote in Orange County, CA went to Hillary Rodham Clinton with 50.9% of the vote. The runner-up was Donald J. Trump (42.3%), followed by Other (6.71%). The most partisan county was San Francisco County, CA with 85% of the vote going to Hillary Rodham Clinton running for the Democratic Party.

Dianne Feinstein and Alex Padilla are the senators currently representing the state of California. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

California is currently represented by 53 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

Voting results are not available for Laguna Beach, CA. Showing the available data for Orange County, CA.

Showing data up to the 2016 election. Updated election results are currently being processed, and will be released in the coming months.

2016 Election Results

Hillary Rodham Clinton (50.9%)
Democratic Party
Donald J. Trump (42.3%)
Republican Party
Other (6.71%)
Other Party

In the 2016 presidential election, the popular vote in California went to Hillary Rodham Clinton with 50.9% of the vote. The runner-up was Donald J. Trump (42.3%), followed by Other (6.71%).

The following chart shows the popular vote results in California for each registered party from 1976 to 2016.

Presidential Popular Vote by County

Presidential voting results are only available at the county level. Showing data for the counties inside of California.

Showing data up to the 2016 election. Updated election results are currently being processed, and will be released in the coming months.

Hillary Rodham Clinton

Popular Vote for Orange County, CA

50.9% for the Democratic Party

Most Partisan Counties in California

San Francisco County, CA
85% for Hillary Rodham Clinton (Democratic Party)
Alameda County, CA
78.7% for Hillary Rodham Clinton (Democratic Party)
Marin County, CA
78.1% for Hillary Rodham Clinton (Democratic Party)

In the 2016 presidential election, the most partisan county in California was San Francisco County, CA with 85% of the vote going to Hillary Rodham Clinton running for the Democratic Party.

The following map shows the counties in California colored by their party leaning.

US Senators from California

Senatorial voting results are only available at the state level. Showing data for California.

Dianne Feinstein

Senator from California

Assumed office on November 10, 1992
Elected to the seat to succeed John Seymour (California politician)|John Seymour, who had been appointed to the seat after Pete Wilson elected Governor of California.

Alex Padilla

Senator from California

Assumed office on January 20, 2021
Appointed to the seat following the resignation of Kamala Harris, who had become Vice President of the United States.

Dianne Feinstein and Alex Padilla are the senators currently representing California.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in California over time, excluding special elections, colored by their political party.

US Representatives from California

California is currently represented by 53 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for California have changed over time starting in 2008.

Education

In 2019, universities in Laguna Beach, CA awarded 135 degrees. The student population of Laguna Beach, CA is skewed towards women, with 246 male students and 588 female students.

Most students graduating from Universities in Laguna Beach, CA are White (66 and 52%), followed by Hispanic or Latino (29 and 22.8%), Asian (20 and 15.7%), and Unknown (6 and 4.72%).

The largest universities in Laguna Beach, CA by number of degrees awarded are Laguna College of Art and Design (135 and 100%).

The most popular majors in Laguna Beach, CA are Animation, Interactive Technology, Video Graphics, & Special Effects (37 and 27.4%), General Fine Studio Arts (32 and 23.7%), and Game & Interactive Media Design (28 and 20.7%).

The median tuition cost in Laguna Beach, CA for private four year colleges is $31,600.

Concentrations

Most Common

Animation, Interactive Technology, Video Graphics, & Special Effects
37 degree-majorss awarded
Graphic Design
22 degree-majorss awarded
Game & Interactive Media Design
19 degree-majorss awarded

In 2019, the most common concentation for Bachelors Degree recipients in Laguna Beach, CA was Animation, Interactive Technology, Video Graphics, & Special Effects with 37 degrees awarded.

This visualization illustrates the percentage of students graduating with a Bachelors Degree from schools in Laguna Beach, CA according to their major.

Universities

Laguna College of Art and Design

Largest Universities by degrees awarded

135 degrees awarded

$31,600

Median Private

In 2019, the Laguna Beach, CA institution with the largest number of graduating students was Laguna College of Art and Design with 135 degrees awarded.

Student Gender for Common Institutions

Degrees Awarded to Men

Degrees Awarded to Women

In 2019, 50 men were awarded degrees from institutions in Laguna Beach, CA, which is 0.588 times less than the 85 female students who received degrees in the same year.

This chart displays the gender disparity between the institutions in Laguna Beach, CA by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
66 degrees awarded
Hispanic or Latino
29 degrees awarded
Asian
20 degrees awarded

In 2019 the most common race/ethnicity group awarded degrees at institutions in Laguna Beach, CA was White students. These 66 degrees mean that there were 2.28 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 29 degrees awarded.

Housing & Living

The median property value in Laguna Beach, CA was $1.77M in 2019, which is 7.37 times larger than the national average of $240,500. Between 2018 and 2019 the median property value increased from $1.7M to $1.77M, a 4.19% increase. The homeownership rate in Laguna Beach, CA is 64.3%, which is higher than the national average of 64.1%. People in Laguna Beach, CA have an average commute time of 22.9 minutes, and they drove alone to work. Car ownership in Laguna Beach, CA is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$1.77M

2019 Median

± $119,058

$1.7M

2018 Median

± $121,434

In 2019, the median property value in Laguna Beach, CA grew to to $1.77M from the previous year's value of $1.7M.

The following charts display, first, the property values in Laguna Beach, CA compared to it's parent and neighbor geographies and, second, owner-occupied housing units distributed between a series of property value buckets compared to the national averages for each bucket. In Laguna Beach, CA the largest share of households have a property value in the $2M+ range.

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$129,983

Median Household Income

± $11,479

10.2k

Number of Households

± 657

In 2019, the median household income of the 10.2k households in Laguna Beach, CA grew to $129,983 from the previous year's value of $121,474.

The following chart displays the households in Laguna Beach, CA distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $200k+ range.

Property Taxes

$3k+

Average Range

This chart shows the households in Laguna Beach, CA distributed between a series of property tax buckets compared to the national averages for each bucket. In Laguna Beach, CA the largest share of households pay taxes in the $3k+ range.

Rent vs Own

64.3%

2019 Homeownership

63.2%

2018 Homeownership

In 2019, 64.3% of the housing units in Laguna Beach, CA were occupied by their owner. This percentage grew from the previous year's rate of 63.2%.

This percentage of owner-occupation is higher than the national average of 64.1%. This chart shows the ownership percentage in Laguna Beach, CA compared it's parent and neighboring geographies.

Commute Time

22.9 minutes

Average Travel Time

Using averages, employees in Laguna Beach, CA have a shorter commute time (22.9 minutes) than the normal US worker (25.5 minutes). Additionally, 3.65% of the workforce in Laguna Beach, CA have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Laguna Beach, CA compares to that of it's neighboring and parent geographies.

Commuter Transportation

Most Common Commute in 2019

Drove Alone (70.7%)
Worked At Home (16.7%)
Carpooled (5.7%)

In 2019, 70.7% of workers in Laguna Beach, CA drove alone to work, followed by those who worked at home (16.7%) and those who carpooled to work (5.7%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Transportation

Car Ownership

2 cars

Average Number

The following chart displays the households in Laguna Beach, CA distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Laguna Beach, CA have 2 cars, followed by false.

Health

96.6% of the population of Laguna Beach, CA has health coverage, with 47.4% on employee plans, 4.31% on Medicaid, 19.5% on Medicare, 25.3% on non-group plans, and 0.152% on military or VA plans.

Per capita personal health care spending in California was $7,549 in 2014. This is a 4.04% increase from the previous year ($7,256).

Primary care physicians in Orange County, CA see 1012 patients per year on average, which represents a 1.46% decrease from the previous year (1027 patients). Compare this to dentists who see 870 patients per year, and mental health providers who see 344 patients per year.

Comparing across all counties in the state, Amador County has the highest prevalence of diabetes (17%). Additionally, Colusa County has the highest prevalence of adult obesity (39%)

Patient to Clinician Ratios

Data is only available at the country level. Showing data for Orange County, CA.

1,012 to 1

Patient to Primary Care Physician Ratio in Orange County, CA

Primary care physicians in Orange County, CA see an average of 1,012 patients per year. This represents a 1.46% decrease from the previous year (1,027 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Orange County, CA in comparison to its neighboring geographies.

Behavioral Health Conditions

Data only available at the state level.

State with the Highest Prevalence

West Virginia
8.26% of the population affected
Arkansas
8.13% of the population affected
New Hampshire
7.98% of the population affected

In 2016, West Virginia had the highest prevalence of adults with major depressive episode, with 8.26% of the population affected. The second highest is Arkansas (8.13%), followed by New Hampshire (7.98%).

The following map shows the percent of individuals with major depressive episode by state over multiple years.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Access and Quality

Data only available at state level.

Most prevalent states

Mississippi
19.2% of adults
Texas
17.9% of adults
Louisiana
17.6% of adults

In 2016, Mississippi had the highest prevalence of adults who haven't seen a doctor in the past 12 months due to cost, at 19.2%. It is followed by Texas (17.9%) and Louisiana (17.6%).

The following map shows the prevalence of adults who haven't seen a doctor in the past 12 months due to cost by state over multiple years.

Health Care Spending

Data is only available at the state level. Showing data for California.

$7,549

Total Per Capita Spending on Personal Health Care in California

$4,735

Per Enrollee Private Health Insurance Spending on Personal Health Care

$5,368

Per Enrollee Medicaid Spending on Personal Health Care

$11,833

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in California (including private, Medicare, and Medicaid) grew 4.04%, from $7,256 to $7,549.

The following chart shows how this spending changed over time in comparison to Medicaid, Medicare, and private insurance spending, per enrollee.

Health Care Coverage

3.38%

Uninsured

47.4%

Employer Coverage

4.31%

Medicaid

19.5%

Medicare

25.3%

Non-Group

0.152%

Military or VA

Between 2018 and 2019, the percent of uninsured citizens in Laguna Beach, CA declined by 4.99% from 3.56% to 3.38%.

The following chart shows how the percent of uninsured individuals in Laguna Beach, CA changed over time compared with the percent of individuals enrolled in various types of health insurance.