Home Insurance in East Palo Alto, California
The median home value in East Palo Alto is $1,102,600, 29% lower than the San Mateo County median.
The typical home in East Palo Alto was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 5 points above San Mateo County's 40%.
Housing in East Palo Alto breaks down to 63% single-family homes, 33% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
66% of owner-occupied homes in East Palo Alto carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in East Palo Alto are owner-occupied.
Most homes in East Palo Alto - 64% - 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.
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 | $1,102,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)