Home Insurance in San Leandro, California
With a median home value of $844,200, San Leandro is 23% lower than the Alameda County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Leandro was built around 1959. About 53% of homes were built before 1960, about 14 points above Alameda County's 39%.
Housing in San Leandro breaks down to 67% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
62% of owner-occupied homes in San Leandro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in San Leandro are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in San Leandro - 62% - 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 | $844,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)