Home Insurance in Scotts Valley, California
With a median home value of $1,105,700, Scotts Valley is 8% higher than the Santa Cruz County median.
The typical home in Scotts Valley was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 21 points below Santa Cruz County's 29%.
The housing stock in Scotts Valley is 69% single-family homes, 11% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Scotts Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Scotts Valley are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Scotts Valley, 78% of homes are primarily heated with natural gas.
FEMA rates Santa Cruz County's overall risk as Relatively High, led by earthquake (Relatively High). Santa Cruz County had 3,226 active NFIP flood policies as of September 2026. See the full Santa Cruz 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 | $1,105,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Santa Cruz County | 3,226 |
| 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)