Home Insurance in Daly City, California
The median home value in Daly City is $1,115,000, 29% lower than the San Mateo County median.
The typical home in Daly City was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 1 point above San Mateo County's 40%.
In Daly City, the housing stock is 63% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
62% of owner-occupied homes in Daly City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Daly City has an owner-occupancy rate of 60% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Daly City - 63% - are primarily heated with natural gas.
San Mateo County had 4,143 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $1,115,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)