Home Insurance in Ross, California
The median home value in Ross is $2,000,000+.
The median home in Ross was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 35 points above Marin County's 37%.
The housing stock in Ross is 98% single-family homes.
In Ross, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ross has an owner-occupancy rate of 87% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Ross - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ross? 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.
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 | $2,000,000+ |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)