Home Insurance in Larkspur, California
The median home value in Larkspur is $1,996,600, 32% higher than the Marin County median.
The typical home in Larkspur was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 10 points below Marin County's 37%.
The housing stock in Larkspur is 44% single-family homes, 45% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 64% of owner-occupied homes in Larkspur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Larkspur has an owner-occupancy rate of 47% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Larkspur - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Larkspur? FEMA's National Risk Index points to earthquake (Relatively High) in Marin County and Marin County had 6,253 active NFIP flood policies as of September 2026. 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.
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 | $1,996,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)