Home Insurance in Pinole, California
With a median home value of $718,600, Pinole is 17% lower than the Contra Costa County median.
The typical home in Pinole was built around 1970. About 22% of homes were built before 1960, in line with Contra Costa County (23%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pinole, the housing stock is 87% single-family homes and 10% apartments in buildings with 5+ units.
In Pinole, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Pinole are owner-occupied.
Most homes in Pinole - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pinole? 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 | $718,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)