Home Insurance in Morgan Hill, California
With a median home value of $1,210,200, Morgan Hill is 19% lower than the Santa Clara County median.
The typical home in Morgan Hill was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 16 points below Santa Clara County's 22%.
In Morgan Hill, the housing stock is 77% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 74% of owner-occupied homes in Morgan Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Morgan Hill has an owner-occupancy rate of 71% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Morgan Hill, 61% of homes 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 | $1,210,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)