California › El Dorado County
El Dorado County, CA
Home insurance outlook by ZIP code
| El Dorado Co. | California | |
|---|---|---|
| FAIR Plan policies | 27,892 (2.0× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,033 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 23 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 10 of 23 | 291 of 1719 |
Cities: South Lake Tahoe
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 |
|---|---|---|---|---|---|
| 95726 | Pollock Pines | 61% | 2,688 (1.3×) | 42% | Hardest |
| 95635 | Greenwood | 60% | 297 (1.4×) | 73% | Hardest |
| 95633 | Garden Valley | 58% | 872 (1.7×) | 57% | Hardest |
| 95664 | Pilot Hill | 55% | 311 (1.4×) | 46% | Hardest |
| 95634 | Georgetown | 55% | 812 (1.7×) | 65% | Hardest |
| 95709 | Camino | 51% | 1,074 (1.5×) | 82% | Hardest |
| 95684 | Somerset | 49% | 763 (1.4×) | 47% | Hardest |
| 95667 | Placerville | 47% | 7,374 (1.8×) | 59% | Hardest |
| 95721 | Echo Lake | 46% | 54 (0.8×) | 4% | Hardest |
| 95636 | Grizzly Flats | 42% | 146 (0.8×) | 53% | Hardest |
| 96142 | Tahoma | 39% | 837 (4.3×) | 27% | Hardest |
| 95614 | Cool | 39% | 769 (2.0×) | 51% | Hardest |
| 95651 | Lotus | 38% | 125 (2.0×) | 42% | Hardest |
| 95623 | El Dorado | 38% | 774 (2.9×) | 70% | Hardest |
| 95672 | Rescue | 36% | 692 (2.2×) | 68% | Hardest |
| 95735 | Twin Bridges | 33% | 133 (1.2×) | 1% | Hardest |
| 95619 | Diamond Springs | 32% | 633 (5.0×) | 58% | Hardest |
| 95720 | Kyburz | 32% | 160 (1.1×) | 14% | Hardest |
| 96150 | South Lake Tahoe | 28% | 5,116 (2.2×) | 14% | Hardest |
| 96158 | South Lake Tahoe | 27% | – | – | Hardest |
| 95682 | Shingle Springs | 24% | 2,565 (3.6×) | 32% | Hardest |
| 95762 | El Dorado Hills | 8% | 1,697 (7.2×) | 15% | Harder |
| 96155 | South Lake Tahoe | 5% | – | 1% | 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%.