Home Insurance in Oakley, California
The median home value in Oakley is $660,200, 24% lower than the Contra Costa County median.
The typical home in Oakley was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 17 points below Contra Costa County's 23%.
Housing in Oakley breaks down to 93% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
80% of owner-occupied homes in Oakley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Oakley are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Oakley are primarily heated with natural gas.
What's the biggest home insurance risk near Oakley? FEMA's National Risk Index points to earthquake (Relatively High) in Contra Costa County and 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 | $660,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)