Home Insurance in South San Francisco, California
Homes in South San Francisco carry a median value of $1,188,800 - 24% lower than the San Mateo County median.
The typical home in South San Francisco was built around 1965. About 43% of homes were built before 1960, about 2 points above San Mateo County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in South San Francisco is 68% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In South San Francisco, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in South San Francisco are owner-occupied.
In South San Francisco, 61% of homes are primarily heated with natural gas.
FEMA rates San Mateo County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $1,188,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)