California › Alameda County
Alameda County, CA
Home insurance outlook by ZIP code
| Alameda Co. | California | |
|---|---|---|
| FAIR Plan policies | 12,132 (4.9× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,632 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 14 of 47 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 47 | 291 of 1719 |
Cities: Alameda · Berkeley · Castro Valley · Fremont · Hayward · Livermore · Oakland · Pleasanton · San Leandro
Every ZIP code, hardest first
"On FAIR Plan" is the estimated share of insured homes on the FAIR Plan today; the rating uses it. A dash means the FAIR Plan hasn't published a count for that ZIP code.
| ZIP code | Area | On FAIR Plan | FAIR policies | Very High fire | Outlook |
|---|---|---|---|---|---|
| 94586 | Sunol | 24% | 88 (3.3×) | 41% | Hardest |
| 94611 | Oakland | 23% | 2,822 (3.6×) | 18% | Hardest |
| 94708 | Berkeley | 16% | 824 (7.8×) | 77% | Hardest |
| 94704 | Berkeley | 14% | 155 (8.2×) | – | Harder |
| 94705 | Berkeley | 13% | 509 (7.4×) | – | Harder |
| 94552 | Castro Valley | 11% | 502 (6.7×) | 10% | Harder |
| 94707 | Berkeley | 8% | 436 (24.2×) | 4% | Harder |
| 94709 | Berkeley | 8% | 103 (7.4×) | – | Harder |
| 94612 | Oakland | 6% | 30 (2.0×) | – | Harder |
| 94542 | Hayward | 6% | 236 (7.9×) | – | Harder |
| 94605 | Oakland | 6% | 657 (4.3×) | 11% | Harder |
| 94619 | Oakland | 6% | 420 (4.9×) | 57% | Harder |
| 94618 | Oakland | 5% | 273 (22.8×) | – | Harder |
| 94607 | Oakland | 5% | 120 (1.8×) | – | Harder |
| 94606 | Oakland | 4% | 226 (3.7×) | – | Harder |
| 94602 | Oakland | 4% | 368 (5.5×) | 5% | Harder |
| 94601 | Oakland | 4% | 307 (2.3×) | – | Harder |
| 94608 | Emeryville | 4% | 191 (2.9×) | – | Harder |
| 94621 | Oakland | 3% | 199 (2.0×) | – | Harder |
| 94703 | Berkeley | 3% | 131 (4.9×) | – | Harder |
| 94588 | Pleasanton | 3% | 224 (28.0×) | 2% | Harder |
| 94609 | Oakland | 3% | 128 (3.0×) | – | Harder |
| 94710 | Berkeley | 3% | 43 (1.7×) | – | Harder |
| 94546 | Castro Valley | 3% | 344 (19.1×) | 65% | Harder |
| 94610 | Oakland | 3% | 151 (11.6×) | – | Harder |
| 94551 | Livermore | 2% | 245 (18.8×) | 10% | Harder |
| 94566 | Pleasanton | 2% | 293 (29.3×) | – | Harder |
| 94603 | Oakland | 2% | 157 (2.0×) | – | Harder |
| 94568 | Dublin | 2% | 290 (58.0×) | – | Harder |
| 94702 | Berkeley | 2% | 90 (5.0×) | – | Harder |
| 94501 | Alameda | 2% | 229 (2.9×) | – | Harder |
| 94541 | Hayward | 2% | 209 (3.3×) | – | Harder |
| 94577 | San Leandro | 2% | 177 (6.3×) | – | Harder |
| 94706 | Albany | 2% | 73 (8.1×) | – | Harder |
| 94544 | Hayward | 1% | 162 (10.1×) | – | Easy |
| 94578 | San Leandro | 1% | 75 (5.4×) | – | Easy |
| 94539 | Fremont | 1% | 110 (36.7×) | 4% | Easy |
| 94579 | San Leandro | 1% | 50 (16.7×) | – | Easy |
| 94536 | Fremont | 1% | 104 (11.6×) | – | Easy |
| 94580 | San Lorenzo | 1% | 49 (7.0×) | – | Easy |
| 94587 | Union City | 1% | 100 (12.5×) | – | Easy |
| 94545 | Hayward | 1% | 45 (2.6×) | – | Easy |
| 94550 | Livermore | 1% | 85 (3.1×) | 74% | Easy |
| 94538 | Fremont | 0% | 38 (7.6×) | – | Easy |
| 94555 | Fremont | 0% | 26 (8.7×) | – | Easy |
| 94560 | Newark | 0% | 32 (4.0×) | – | Easy |
| 94502 | Alameda | 0% | 6 (6.0×) | – | Easy |
Official California Department of Insurance; FAIR Plan counts from the California FAIR Plan Association; fire zones from CAL FIRE. Sources
What do these mean?
- FAIR Plan
- California's insurer of last resort, for homes no private company will cover. A high share means private insurers have mostly left the area. Statewide: 3.2%.