Home Insurance in Monte Sereno, California
Homes in Monte Sereno carry a median value of $2,000,000+.
The typical home in Monte Sereno was built around 1965. About 42% of homes were built before 1960, about 20 points above Santa Clara County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Monte Sereno is 100% single-family homes.
In Monte Sereno, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Monte Sereno are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Monte Sereno 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 | 1965 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)