Home Insurance in Fremont, California
The median home value in Fremont is $1,403,800, 29% higher than the Alameda County median.
The typical home in Fremont was built around 1979. About 13% of homes were built before 1960, about 25 points below Alameda County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fremont, the housing stock is 70% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
71% of owner-occupied homes in Fremont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Fremont are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fremont - 72% - are primarily heated with natural gas.
Alameda County had 4,586 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very High). 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 | $1,403,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)