California › Amador County
Amador County, CA
Home insurance outlook by ZIP code
| Amador Co. | California | |
|---|---|---|
| FAIR Plan policies | 6,073 (1.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,693 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 11 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 6 of 11 | 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 |
|---|---|---|---|---|---|
| 95675 | River Pines | 64% | – | 25% | Hardest |
| 95666 | Pioneer | 59% | 2,211 (1.3×) | 43% | Hardest |
| 95665 | Pine Grove | 53% | 1,135 (1.4×) | 92% | Hardest |
| 95689 | Volcano | 48% | 395 (1.4×) | 87% | Hardest |
| 95629 | Fiddletown | 46% | 232 (1.6×) | 57% | Hardest |
| 95601 | Amador City | 39% | 56 | 88% | Hardest |
| 95699 | Drytown | 35% | 24 | 19% | Hardest |
| 95669 | Plymouth | 30% | 338 (2.7×) | 25% | Hardest |
| 95685 | Sutter Creek | 30% | 606 (2.0×) | 72% | Hardest |
| 95642 | Jackson | 21% | 626 (3.2×) | 60% | Hardest |
| 95640 | Ione | 12% | 450 (12.2×) | 40% | Harder |
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%.