California › Alpine County
Alpine County, CA
Home insurance outlook by ZIP code
| Alpine Co. | California | |
|---|---|---|
| FAIR Plan policies | 203 (1.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $5,155 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 2 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 2 | 291 of 1719 |
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 |
|---|---|---|---|---|---|
| 96120 | Markleeville | 38% | 203 (1.8×) | 7% | Hardest |
| 95646 | Kirkwood | 19% | – | – | Hardest |
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%.