Home Insurance in San Rafael, California
Homes in San Rafael carry a median value of $1,355,600 - 10% lower than the Marin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in San Rafael was built around 1968. About 32% of homes were built before 1960, about 5 points below Marin County's 37%.
Housing in San Rafael breaks down to 56% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In San Rafael, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
San Rafael has an owner-occupancy rate of 53% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
61% of homes in San Rafael are primarily heated with natural gas.
Marin County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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.
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 | $1,355,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)