Home Insurance in San Juan Bautista, California
The median home value in San Juan Bautista is $785,800, close to the San Benito County median.
The typical home in San Juan Bautista was built around 1982. About 25% of homes were built before 1960, about 9 points above San Benito County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Juan Bautista is 80% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
75% of owner-occupied homes in San Juan Bautista carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in San Juan Bautista are owner-occupied.
Most homes in San Juan Bautista - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near San Juan Bautista? 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.
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 | $785,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)