Home Insurance in Dublin, California
The median home value in Dublin is $1,317,100, 21% higher than the Alameda County median.
The typical home in Dublin was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 36 points below Alameda County's 39%.
The housing stock in Dublin is 71% single-family homes and 27% apartments in buildings with 5+ units.
79% of owner-occupied homes in Dublin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dublin has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Dublin - 65% - are primarily heated with natural gas.
FEMA rates Alameda County's overall risk as Very High, led by earthquake (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $1,317,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)