Home Insurance in San Anselmo, California
With a median home value of $1,576,700, San Anselmo is close to the Marin County median.
The typical home in San Anselmo was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 24 points above Marin County's 37%.
The housing stock in San Anselmo is 79% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in San Anselmo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in San Anselmo are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in San Anselmo - 76% - are primarily heated with natural gas.
FEMA rates Marin County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $1,576,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)