Home Insurance in Antioch, California
Homes in Antioch carry a median value of $629,700 - 27% lower than the Contra Costa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Antioch was built around 1985. About 15% of homes were built before 1960, about 8 points below Contra Costa County's 23%.
The housing stock in Antioch is 83% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Antioch, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Antioch has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
64% of homes in Antioch are primarily heated with natural gas.
Contra Costa County had 3,156 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Contra Costa 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 | $629,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Contra Costa County | 3,156 |
| 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)