Home Insurance in Guadalupe, California
Homes in Guadalupe carry a median value of $495,600 - 37% lower than the Santa Barbara County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Guadalupe was built around 1986. About 7% of homes were built before 1960, about 16 points below Santa Barbara County's 22%.
Housing in Guadalupe breaks down to 75% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
80% of owner-occupied homes in Guadalupe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Guadalupe has an owner-occupancy rate of 55% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
72% of homes in Guadalupe are primarily heated with natural gas.
Santa Barbara County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Santa Barbara County had 3,738 active NFIP flood policies as of September 2026. See the full Santa Barbara 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 | $495,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Santa Barbara County | 3,738 |
| 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)