Home Insurance in Santa Clara, California
With a median home value of $1,582,600, Santa Clara is 6% higher than the Santa Clara County median.
The typical home in Santa Clara was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 6 points above Santa Clara County's 22%.
The housing stock in Santa Clara is 48% single-family homes and 45% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Santa Clara have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Santa Clara are owner-occupied.
53% of homes in Santa Clara are primarily heated with natural gas.
Santa Clara County had 11,381 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very High). 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 | $1,582,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 41% |
| 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)