Home Insurance in King City, California
Homes in King City carry a median value of $449,900 - 42% lower than the Monterey 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 King City was built around 1988. About 13% of homes were built before 1960, about 12 points below Monterey County's 26%.
In King City, the housing stock is 68% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In King City, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
King City has an owner-occupancy rate of 42% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In King City, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near King City? 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 | $449,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)