California › Del Norte County
Del Norte County, CA
Home insurance outlook by ZIP code
| Del Norte Co. | California | |
|---|---|---|
| FAIR Plan policies | 713 (5.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,406 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 4 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 4 | 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 |
|---|---|---|---|---|---|
| 95543 | Gasquet | 29% | 106 (1.3×) | 9% | Hardest |
| 95548 | Klamath | 13% | 36 (6.0×) | – | Harder |
| 95531 | Crescent City | 8% | 531 (17.1×) | 4% | Harder |
| 95567 | Smith River | 6% | 40 (10.0×) | 39% | 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%.