Home Insurance in Fairfax, California
With a median home value of $1,163,600, Fairfax is 23% lower than the Marin County median.
The typical home in Fairfax was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 61% of homes were built before 1960, about 24 points above Marin County's 37%.
In Fairfax, the housing stock is 77% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Fairfax have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fairfax has an owner-occupancy rate of 69% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Fairfax - 80% - are primarily heated with natural gas.
Marin County had 6,253 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Marin 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 | $1,163,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Marin County | 6,253 |
| 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)