Homeowners Insurance in Oakland, CA

For a home at Oakland's median value of $929,900, we estimate about $1,885 a year — +14% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Oakland

Est. premium

$1,885

$157/mo · median home

Median home value

$929,900

California: $734,700

Median year built

1953

Census ACS

Owner-occupied

42.3%

of households

Hazard score

60.9

state ref. 70.2

Oakland's estimate reflects its home values (27% higher than the state median) and FEMA's hazard profile for Alameda County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Oakland

FEMA National Risk Index — Alameda County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	35.9	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	65.8	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	86.0	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	11.3	Comprehensive; dwelling
Winter weather	Very Low	4.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	97.7	Comprehensive; dwelling
Earthquake	Very High	100.0	Home needs a separate earthquake policy
Lightning	Relatively Low	47.5	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Oakland

Dwelling value	Wood frame	Brick / masonry
$200,000	$550	$510
$300,000	$765	$700
$500,000	$1,150	$1,055
$750,000	$1,590	$1,460

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance by ZIP code in Oakland

ZIP	Median home value	Owner-occupied	Est. premium
94601	$710,000	36.4%	$1,520
94605	$849,300	62.9%	$1,755
94611	$1,537,700	60.6%	$2,820
94606	$802,700	20.2%	$1,675
94603	$614,700	47.9%	$1,355
94608	$849,600	31.1%	$1,755
94621	$543,700	36.4%	$1,230
94610	$1,379,700	38.0%	$2,585
94602	$1,129,500	60.2%	$2,205
94607	$720,600	30.1%	$1,540
94619	$1,025,300	69.7%	$2,040
94609	$1,207,700	32.9%	$2,325
94612	$827,800	8.6%	$1,720
94618	$1,753,100	67.4%	$3,135
94705	$1,992,800	59.4%	$3,470

Homeowners insurance in California · Car insurance in Oakland · Insurance offices near Oakland

Frequently asked questions

How much is homeowners insurance in Oakland?

For a home at Oakland's median value of $929,900, we estimate about $1,885 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.

What are the biggest natural hazards in Oakland?

FEMA's National Risk Index rates Alameda County relatively high or very high for inland (river) flooding, coastal flooding, wildfire, and earthquake.

Does the age of homes in Oakland affect insurance?

Yes. The median home in Oakland was built in 1953 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Alameda County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page