Home Insurance in Soledad, California
The median home value in Soledad is $595,900, 24% lower than the Monterey County median.
The typical home in Soledad was built around 1996. About 9% of homes were built before 1960, about 16 points below Monterey County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Soledad is 77% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Soledad, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Soledad are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Soledad, 55% of homes are primarily heated with electricity.
FEMA rates Monterey County's overall risk as Relatively High, led by earthquake (Relatively High). 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.
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 | $595,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)