California › Contra Costa County
Contra Costa County, CA
Home insurance outlook by ZIP code
| Contra Costa Co. | California | |
|---|---|---|
| FAIR Plan policies | 13,481 (12.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,174 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 11 of 41 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 41 | 291 of 1719 |
Cities: Antioch · Concord · Danville · Richmond · San Ramon · Walnut Creek
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 |
|---|---|---|---|---|---|
| 94516 | Canyon | 34% | – | 69% | Hardest |
| 94563 | Orinda | 29% | 2,691 (17.1×) | 76% | Hardest |
| 94528 | Diablo | 28% | 117 (29.2×) | 2% | Hardest |
| 94569 | Port Costa | 20% | 16 (16.0×) | – | Hardest |
| 94549 | Lafayette | 18% | 1,863 (16.3×) | 4% | Hardest |
| 94507 | Alamo | 14% | 838 (21.5×) | 5% | Harder |
| 94556 | Moraga | 13% | 672 (32.0×) | 50% | Harder |
| 94506 | Danville | 13% | 1,112 (27.8×) | 13% | Harder |
| 94595 | Walnut Creek | 10% | 288 (13.7×) | – | Harder |
| 94525 | Crockett | 10% | 117 (9.8×) | – | Harder |
| 94803 | El Sobrante | 7% | 526 (15.0×) | 66% | Harder |
| 94517 | Clayton | 6% | 275 (39.3×) | 88% | Harder |
| 94526 | Danville | 6% | 659 (43.9×) | – | Harder |
| 94530 | El Cerrito | 5% | 425 (15.7×) | 26% | Harder |
| 94511 | Bethel Island | 5% | 37 | – | Harder |
| 94805 | Richmond | 4% | 194 (7.8×) | 27% | Harder |
| 94553 | Martinez | 4% | 596 (14.2×) | 25% | Harder |
| 94583 | San Ramon | 4% | 386 (13.8×) | 5% | Harder |
| 94564 | Pinole | 3% | 160 (32.0×) | – | Harder |
| 94596 | Walnut Creek | 3% | 116 (11.6×) | – | Harder |
| 94597 | Walnut Creek | 3% | 113 (10.3×) | – | Harder |
| 94801 | Richmond | 2% | 139 (1.7×) | – | Harder |
| 94514 | Byron | 2% | 10 (2.5×) | – | Harder |
| 94547 | Hercules | 2% | 119 (59.5×) | – | Harder |
| 94804 | Richmond | 2% | 185 (3.4×) | – | Harder |
| 94806 | San Pablo | 2% | 219 (3.8×) | 5% | Harder |
| 94523 | Pleasant Hill | 2% | 160 (14.5×) | – | Harder |
| 94565 | Pittsburg | 1% | 300 (4.8×) | 1% | Easy |
| 94582 | San Ramon | 1% | 143 (143.0×) | – | Easy |
| 94598 | Walnut Creek | 1% | 99 (8.2×) | 11% | Easy |
| 94509 | Antioch | 1% | 198 (5.4×) | 2% | Easy |
| 94531 | Antioch | 1% | 160 (26.7×) | 5% | Easy |
| 94548 | Knightsen | 1% | 1 | – | Easy |
| 94572 | Rodeo | 1% | 26 (2.4×) | – | Easy |
| 94521 | Concord | 1% | 119 (19.8×) | 1% | Easy |
| 94513 | Brentwood | 1% | 176 (10.4×) | 9% | Easy |
| 94520 | Concord | 1% | 44 (8.8×) | – | Easy |
| 94561 | Oakley | 1% | 94 (1.6×) | – | Easy |
| 94518 | Concord | 1% | 42 (6.0×) | – | Easy |
| 94505 | Discovery Bay | 0% | 26 (13.0×) | – | Easy |
| 94519 | Concord | 0% | 20 (2.9×) | – | 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%.