Home Insurance in Greenfield, California
Homes in Greenfield carry a median value of $531,400 - 32% lower than the Monterey County median.
The typical home in Greenfield was built around 1996. About 6% of homes were built before 1960, about 20 points below Monterey County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Greenfield breaks down to 73% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 70% of owner-occupied homes in Greenfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Greenfield are owner-occupied.
57% of homes in Greenfield are primarily heated with electricity.
What's the biggest home insurance risk near Greenfield? FEMA's National Risk Index points to earthquake (Relatively High) in Monterey County and Monterey County had 1,572 active NFIP flood policies as of September 2026. See the full Monterey 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 | $531,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Monterey County | 1,572 |
| 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)