Home Insurance in Los Gatos, California
The median home value in Los Gatos is $2,000,000+.
The typical home in Los Gatos was built around 1972. About 22% of homes were built before 1960, in line with Santa Clara County (22%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Los Gatos breaks down to 71% single-family homes and 21% apartments in buildings with 5+ units.
70% of owner-occupied homes in Los Gatos carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Los Gatos has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Los Gatos - 72% - are primarily heated with natural gas.
Santa Clara County's top FEMA-rated hazard is earthquake (Very High), per FEMA's National Risk Index. 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 | $2,000,000+ |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)