Home Insurance in Brentwood, California
Homes in Brentwood carry a median value of $836,600 - close to the Contra Costa County median.
The typical home in Brentwood was built around 2003. About 5% of homes were built before 1960, about 18 points below Contra Costa County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Brentwood is 93% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 77% of owner-occupied homes in Brentwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Brentwood are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brentwood, 66% of homes are primarily heated with natural gas.
FEMA rates Contra Costa County's overall risk as Very High, led by earthquake (Relatively High). Contra Costa County had 3,156 active NFIP flood policies as of September 2026. 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.
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 | $836,600 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)