Home Insurance in Alameda, California
Homes in Alameda carry a median value of $1,235,700 - 13% higher than the Alameda County median.
The typical home in Alameda was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 5 points above Alameda County's 39%.
In Alameda, the housing stock is 56% single-family homes and 30% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Alameda, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Alameda are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Alameda are primarily heated with natural gas.
Alameda County's top FEMA-rated hazard is earthquake (Very High), per FEMA's National Risk Index. Alameda County had 4,586 active NFIP flood policies as of September 2026. See the full Alameda County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $1,235,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Earthquake (Very High) |
| Active NFIP policies in Alameda County | 4,586 |
| 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)