Home Insurance in Sunnyvale, California
With a median home value of $1,801,800, Sunnyvale is 21% higher than the Santa Clara County median.
The typical home in Sunnyvale was built around 1976. 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.
In Sunnyvale, the housing stock is 46% single-family homes, 39% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sunnyvale, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sunnyvale has an owner-occupancy rate of 44% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
52% of homes in Sunnyvale are primarily heated with natural gas.
FEMA rates Santa Clara County's overall risk as Very High, led by earthquake (Very High). 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 | $1,801,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)