Home Insurance in San Ramon, California
The median home value in San Ramon is $1,509,500, 74% higher than the Contra Costa County median.
The typical home in San Ramon was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 21 points below Contra Costa County's 23%.
In San Ramon, the housing stock is 77% single-family homes and 19% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in San Ramon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Ramon has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In San Ramon, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near San Ramon? 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.
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 | $1,509,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 71% |
| 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)