California › Calaveras County
Calaveras County, CA
Home insurance outlook by ZIP code
| Calaveras Co. | California | |
|---|---|---|
| FAIR Plan policies | 10,404 (1.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,634 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 2 of 19 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 12 of 19 | 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 |
|---|---|---|---|---|---|
| 95257 | Wilseyville | 60% | 162 (1.2×) | 78% | Hardest |
| 95223 | Arnold | 56% | 4,771 (1.4×) | 7% | Hardest |
| 95233 | Hathaway Pines | 56% | – | 59% | Hardest |
| 95251 | Vallecito | 50% | 166 (1.5×) | 78% | Hardest |
| 95255 | West Point | 49% | 421 (1.2×) | 64% | Hardest |
| 95247 | Murphys | 49% | 1,314 (1.8×) | 75% | Hardest |
| 95246 | Mountain Ranch | 43% | 343 (1.9×) | 80% | Hardest |
| 95224 | Avery | 42% | – | 58% | Hardest |
| 95248 | Rail Road Flat | 40% | – | 82% | Hardest |
| 95229 | Douglas Flat | 40% | – | – | Hardest |
| 95245 | Mokelumne Hill | 40% | 382 (1.8×) | 83% | Hardest |
| 95232 | Glencoe | 38% | 58 (2.3×) | 54% | Hardest |
| 95226 | Campo Seco | 38% | 12 | 33% | Hardest |
| 95249 | San Andreas | 29% | 423 (3.0×) | 71% | Hardest |
| 95228 | Copperopolis | 28% | 897 (3.8×) | 33% | Hardest |
| 95222 | Angels Camp | 27% | 660 (3.0×) | 52% | Hardest |
| 95225 | Burson | 18% | 42 | 25% | Hardest |
| 95252 | Valley Springs | 13% | 728 (4.1×) | 25% | Harder |
| 95254 | Wallace | 12% | 25 | – | 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%.