Home Insurance in Hercules, California
Homes in Hercules carry a median value of $769,400 - 11% lower than the Contra Costa County median.
The typical home in Hercules was built around 1988. About 1% of homes were built before 1960, about 22 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.
Housing in Hercules breaks down to 78% single-family homes and 16% apartments in buildings with 5+ units.
In Hercules, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Hercules are owner-occupied.
Most homes in Hercules - 64% - 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 | $769,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 79% |
| 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)