Home Insurance in Piedmont, California
Piedmont's median home value is $2,000,000+.
The median home in Piedmont was built in 1939 or earlier. About 89% of homes were built before 1960, about 51 points above Alameda County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Piedmont is 96% single-family homes and 1% apartments in buildings with 5+ units.
67% of owner-occupied homes in Piedmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Piedmont has an owner-occupancy rate of 91% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
89% of homes in Piedmont 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.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)