Our data

Every number on Insureability comes from a public source or a homeowner report, and each is labeled.

Labels

Official State or federal data. Neighbor-reported Submitted by homeowners through our form, unverified. Found online From public posts, linked to the source, with no usernames.

Sources

• FAIR Plan share: California Department of Insurance, residential dwelling units insured in 2022, FAIR Plan vs. voluntary market, by ZIP code.
• FAIR Plan policies and premiums (current): California FAIR Plan Association, Key Statistics & Data: residential policies in force by ZIP code on September 30 of each year, and policy counts and premium by ZIP code as of the latest quarter. "FAIR Plan premium, average" is premium written ÷ policies for owner-occupied single-family homes; it covers fire only. The "share of insured homes" shown next to the current count is our estimate, dividing the current FAIR count by the state's 2022 count of privately insured homes plus the current FAIR count.
• Renewals: California Department of Insurance, new, renewed and non-renewed residential policies in the voluntary market by ZIP code, 2020 to 2023. “Not renewed %” is not renewed ÷ (renewed + not renewed). It includes non-renewals started by insurers and by homeowners (for example, when a home is sold).
• Premiums and insurer-initiated non-renewals: U.S. Department of the Treasury, Federal Insurance Office, “Analyses of U.S. Homeowners Insurance Markets, 2018–2022,” ZIP-level data from about 330 insurers. Covers standard owner-occupied policies (HO-3 and HO-5) only, not the FAIR Plan, and only ZIP codes with at least 10 insurers and 50 policies. “Average premium” is written premium ÷ policies in force. County and state figures are the median ZIP code, because the data has no policy counts.
• Fire hazard zones: CAL FIRE / Office of the State Fire Marshal, Fire Hazard Severity Zones (State Responsibility Area map of 2023, Local Responsibility Area map of 2025), CC BY. We compute the share of each ZIP code's land area (Census 2020 boundaries) in each class. Land, not homes.
• Insurance companies: California Department of Insurance, Residential Insurance Contact List (annual data call, January 2024), the statewide list of licensed home insurers.
• Who's taking new customers: Department of Insurance announcements, read automatically each day as they're published; statewide status for the large insurers and any smaller ones that announce. Each insurer still decides home by home.
• Companies listed for each ZIP code: the Department of Insurance's Home Insurance Finder (homeowners/dwelling fire), read about once a quarter, including its filter for companies that may write in higher fire risk areas. The state notes listed companies may not be accepting new business.
• Rate changes: Department of Insurance lists of approved and pending homeowners rate filings, checked daily.
• Moratoriums: Department of Insurance bulletins on wildfire non-renewal moratoriums and the ZIP codes they cover, checked daily.
• Flood zones and flood policies: FEMA National Flood Hazard Layer (share of each ZIP code's land in a Special Flood Hazard Area, Census 2020 boundaries) and OpenFEMA NFIP policies in force by ZIP code. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
• Home values: Zillow Home Value Index, typical value for the middle third of homes. Data provided by Zillow Group.
• Map locations: U.S. Census Bureau ZIP code tabulation area centroids.
• The home itself (address reports): county assessor records, where the county publishes them free (year built, size, bedrooms and bathrooms): Los Angeles, San Diego, Orange, Sacramento, Santa Clara, Contra Costa, San Francisco, Ventura, Sonoma, Santa Barbara, Napa, Placer, El Dorado and Nevada counties. Looked up live when you check an address; other counties show nothing rather than a guess.
• Nearest fire station: fire stations mapped by OpenStreetMap contributors; distance in a straight line (roads are longer). Not an official fire protection rating.

Outlook rating

One number decides it: the share of insured homes on the FAIR Plan. Hardest: 15% or more. Harder: 2% to 15%. Easy: everything else. For a specific address, a home in a High or Very High fire hazard zone is rated one step harder than its ZIP code. How it works · Download the data

How often we update

The site rebuilds every day. Department of Insurance announcements, rate filings and moratoriums are checked daily; FAIR Plan figures when the FAIR Plan publishes them (quarterly); the Home Insurance Finder about once a quarter; home values monthly. Most other state data is released once a year. Fire and flood zones and county home records are looked up live for each address.

Privacy

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