Home Insurance in San Jose, California
Homes in San Jose carry a median value of $1,233,200 - 17% lower than the Santa Clara County median.
The typical home in San Jose was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 3 points below Santa Clara County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Jose is 62% single-family homes, 27% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
68% of owner-occupied homes in San Jose carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
San Jose has an owner-occupancy rate of 56% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in San Jose - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near San Jose? FEMA's National Risk Index points to earthquake (Very High) in Santa Clara County and 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.
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 | $1,233,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)