Home Insurance in Burlingame, California
Homes in Burlingame carry a median value of $2,000,000+.
The typical home in Burlingame was built around 1957. About 54% of homes were built before 1960, about 14 points above San Mateo County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Burlingame, the housing stock is 52% single-family homes and 44% apartments in buildings with 5+ units.
In Burlingame, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Burlingame are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Burlingame, 61% of homes are primarily heated with natural gas.
San Mateo County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)