Homeowners Insurance in San Francisco, CA

For a home at San Francisco's median value of $1,394,500, we estimate about $2,305 a year — +39% 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 San Francisco

Est. premium

$2,305

$192/mo · median home

Median home value

$1,394,500

California: $734,700

Median year built

1946

Census ACS

Owner-occupied

38.2%

of households

Hazard score

42.6

state ref. 70.2

San Francisco's estimate reflects its home values (90% higher than the state median) and FEMA's hazard profile for San Francisco County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in San Francisco

FEMA National Risk Index — San Francisco County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	18.1	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	34.9	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	62.0	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	10.3	Comprehensive; dwelling
Winter weather	Very Low	1.2	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	28.7	Comprehensive; dwelling
Earthquake	Very High	99.8	Home needs a separate earthquake policy
Lightning	Relatively Low	29.9	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 San Francisco

Dwelling value	Wood frame	Brick / masonry
$200,000	$490	$450
$300,000	$675	$620
$500,000	$1,015	$935
$750,000	$1,405	$1,290

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance by ZIP code in San Francisco

ZIP	Median home value	Owner-occupied	Est. premium
94112	$1,174,100	65.6%	$2,010
94110	$1,450,400	41.8%	$2,380
94122	$1,517,700	48.2%	$2,465
94109	$1,300,300	16.8%	$2,180
94116	$1,502,700	73.1%	$2,450
94121	$1,611,400	43.9%	$2,590
94118	$1,784,700	35.1%	$2,810
94134	$1,068,400	63.8%	$1,865
94117	$1,601,100	28.8%	$2,575
94102	$935,900	8.0%	$1,675
94103	$1,022,800	19.7%	$1,800
94124	$1,035,000	50.3%	$1,815
94114	$1,737,300	45.2%	$2,750
94115	$1,679,000	25.6%	$2,675
94107	$1,222,500	35.7%	$2,075
94131	$1,713,300	54.0%	$2,720
94132	$1,470,700	47.9%	$2,405
94123	$2,000,001	30.4%	$3,075
94133	$1,558,000	16.5%	$2,520
94127	$1,847,400	82.9%	$2,890
94105	$1,398,000	34.8%	$2,310
94158	$1,429,600	34.5%	$2,350
94108	$1,134,100	10.9%	$1,955
94111	$1,248,900	21.2%	$2,110

Homeowners insurance in California · Car insurance in San Francisco · Insurance offices near San Francisco

Frequently asked questions

How much is homeowners insurance in San Francisco?

For a home at San Francisco's median value of $1,394,500, we estimate about $2,305 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 San Francisco?

FEMA's National Risk Index rates San Francisco County relatively high or very high for inland (river) flooding and earthquake.

Does the age of homes in San Francisco affect insurance?

Yes. The median home in San Francisco was built in 1946 (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 San Francisco County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page