Home Insurance in Campbell, California
With a median home value of $1,617,000, Campbell is 8% higher than the Santa Clara County median.
The typical home in Campbell was built around 1972. About 25% of homes were built before 1960, about 4 points above Santa Clara County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Campbell breaks down to 55% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Campbell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Campbell has an owner-occupancy rate of 52% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Campbell, 57% of homes are primarily heated with natural gas.
Santa Clara County had 11,381 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very High). See the full Santa Clara County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In California, the statewide average premium for a standard HO-3 homeowners policy is $1,655 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,617,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Very High) |
| Active NFIP policies in Santa Clara County | 11,381 |
| 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)