Home Insurance in Hollister, California
With a median home value of $717,500, Hollister is 10% lower than the San Benito County median.
The typical home in Hollister was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 3 points below San Benito County's 16%.
Housing in Hollister breaks down to 82% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 78% of owner-occupied homes in Hollister have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hollister has an owner-occupancy rate of 65% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
68% of homes in Hollister are primarily heated with natural gas.
What's the biggest home insurance risk near Hollister? FEMA's National Risk Index points to earthquake (Relatively Moderate) in San Benito County and San Benito County had 134 active NFIP flood policies as of September 2026. See the full San Benito 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 | $717,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in San Benito County | 134 |
| 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)