Home Insurance in Pittsburg, California
The median home value in Pittsburg is $597,900, 31% lower than the Contra Costa County median.
The typical home in Pittsburg was built around 1983. About 16% of homes were built before 1960, about 7 points below Contra Costa County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pittsburg is 75% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Pittsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pittsburg has an owner-occupancy rate of 62% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Pittsburg - 60% - 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.
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 | $597,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)