Home Insurance in Clayton, California
The median home value in Clayton is $1,055,200, 22% higher than the Contra Costa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clayton was built around 1983. About 7% of homes were built before 1960, about 16 points below Contra Costa County's 23%.
Housing in Clayton breaks down to 98% single-family homes and 1% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Clayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Clayton are owner-occupied.
75% of homes in Clayton 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.
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 | $1,055,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)