Home Insurance in Atherton, California
The median home value in Atherton is $2,000,000+.
The typical home in Atherton was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 10 points above San Mateo County's 40%.
Housing in Atherton breaks down to 99% single-family homes.
In Atherton, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Atherton are owner-occupied.
80% of homes in Atherton are primarily heated with natural gas.
What's the biggest home insurance risk near Atherton? FEMA's National Risk Index points to earthquake (Relatively High) in San Mateo County and San Mateo County had 4,143 active NFIP flood policies as of September 2026. See the full San Mateo 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 | $2,000,000+ |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in San Mateo County | 4,143 |
| 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)