California › Butte County
Butte County, CA
Home insurance outlook by ZIP code
| Butte Co. | California | |
|---|---|---|
| FAIR Plan policies | 9,141 (2.9× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,284 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 7 of 18 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 8 of 18 | 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 |
|---|---|---|---|---|---|
| 95930 | Clipper Mills | 57% | 94 | 97% | Hardest |
| 95942 | Forest Ranch | 50% | 454 (1.5×) | 76% | Hardest |
| 95954 | Magalia | 48% | 2,075 (2.1×) | 73% | Hardest |
| 95941 | Forbestown | 47% | 78 (1.2×) | 78% | Hardest |
| 95916 | Berry Creek | 40% | 124 (1.5×) | 68% | Hardest |
| 95978 | Stirling City | 39% | – | 100% | Hardest |
| 95969 | Paradise | 35% | 1,987 (7.4×) | 75% | Hardest |
| 95914 | Bangor | 27% | 80 (3.0×) | 61% | Hardest |
| 95966 | Oroville | 27% | 3,006 (2.8×) | 44% | Hardest |
| 95965 | Oroville | 12% | 619 (3.2×) | 28% | Harder |
| 95968 | Palermo | 10% | 48 (16.0×) | – | Harder |
| 95928 | Chico | 3% | 279 (4.5×) | 20% | Harder |
| 95973 | Chico | 2% | 216 (2.5×) | 41% | Harder |
| 95938 | Durham | 1% | 10 (2.0×) | – | Easy |
| 95917 | Biggs | 1% | 7 (7.0×) | – | Easy |
| 95948 | Gridley | 1% | 17 (5.7×) | – | Easy |
| 95926 | Chico | 0% | 47 (15.7×) | – | Easy |
| 95974 | Richvale | 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%.