Home Insurance in Gilroy, California
Homes in Gilroy carry a median value of $1,027,400 - 31% lower than the Santa Clara 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 Gilroy was built around 1989. About 12% of homes were built before 1960, about 10 points below Santa Clara County's 22%.
In Gilroy, the housing stock is 76% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 78% of owner-occupied homes in Gilroy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gilroy has an owner-occupancy rate of 62% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
61% of homes in Gilroy are primarily heated with natural gas.
FEMA rates Santa Clara County's overall risk as Very High, led by earthquake (Very High). Santa Clara County had 11,381 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $1,027,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)