Home Insurance in Marin County, California
The median home value in Marin County is $1,507,300, 105% higher than the California median.
The typical home in Marin County was built around 1967. About 37% of homes were built before 1960, about 10 points above California's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Marin County is 71% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Marin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Marin County are owner-occupied.
Most homes in Marin County - 67% - are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively High), coastal flooding (Very High) and inland flooding (Relatively High) as the leading hazards for Marin County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Marin County had 6,253 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $1,507,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Coastal Flooding (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 6,253 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Corte Madera
- Median home value: $1,755,200
- Median year built: 1962
- Owner-occupied share: 69%
-
Sausalito
- Median home value: $1,894,600
- Median year built: 1964
- Owner-occupied share: 60%
Sources
- 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)