Home Insurance in Contra Costa County, California
With a median home value of $866,800, Contra Costa County is 18% higher than the California median.
The typical home in Contra Costa County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 4 points below California's 27%.
In Contra Costa County, the housing stock is 76% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in Contra Costa County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Contra Costa County are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Contra Costa County, 66% of homes are primarily heated with natural gas.
The top hazards for Contra Costa County, per FEMA's National Risk Index, are earthquake (Relatively High), inland flooding (Very High) and wildfire (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Contra Costa County has 3,156 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $866,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Very High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,156 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
- Antioch
- Brentwood
- Clayton
- Danville
- El Cerrito
- Hercules
- Lafayette
- Moraga
- Oakley
- Orinda
- Pinole
- Pittsburg
- Pleasant Hill
- Richmond
- San Pablo
- San Ramon
- Walnut Creek
Smaller communities
-
Concord
- Median home value: $797,600
- Median year built: 1970
- Owner-occupied share: 62%
-
Martinez
- Median home value: $859,800
- Median year built: 1977
- Owner-occupied share: 71%
Sources
- 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)