California › Fresno County
Fresno County, CA
Home insurance outlook by ZIP code
| Fresno Co. | California | |
|---|---|---|
| FAIR Plan policies | 5,683 (2.1× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,904 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 16 of 56 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 56 | 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 |
|---|---|---|---|---|---|
| 93664 | Shaver Lake | 60% | 1,544 (1.2×) | 22% | Hardest |
| 93628 | Hume | 48% | 142 (2.4×) | 1% | Hardest |
| 93602 | Auberry | 47% | 567 (1.2×) | 23% | Hardest |
| 93605 | Big Creek | 42% | – | 28% | Hardest |
| 93634 | Lakeshore | 39% | 155 | – | Hardest |
| 93667 | Tollhouse | 36% | 289 (1.8×) | 28% | Hardest |
| 93641 | Miramonte | 35% | 59 (1.3×) | 48% | Hardest |
| 93675 | Squaw Valley | 31% | 427 (6.7×) | 43% | Hardest |
| 93651 | Prather | 28% | 172 (2.1×) | 3% | Hardest |
| 93621 | Dunlap | 25% | 23 (1.8×) | 26% | Hardest |
| 93626 | Friant | 22% | 216 (4.5×) | 11% | Hardest |
| 93624 | Five Points | 17% | 1 | – | Hardest |
| 93721 | Fresno | 5% | 11 (2.2×) | – | Harder |
| 93650 | Fresno | 4% | 40 (13.3×) | – | Harder |
| 93640 | Mendota | 4% | 67 (5.6×) | – | Harder |
| 93619 | Clovis | 3% | 565 (8.6×) | 12% | Harder |
| 93668 | Tranquillity | 3% | 6 (6.0×) | – | Harder |
| 93622 | Firebaugh | 2% | 39 (4.9×) | – | Harder |
| 93652 | Raisin City | 2% | – | – | Harder |
| 93701 | Fresno | 2% | 30 (1.6×) | – | Harder |
| 93706 | Fresno | 2% | 119 (2.1×) | – | Harder |
| 93210 | Coalinga | 2% | 62 (3.6×) | 31% | Harder |
| 93702 | Fresno | 2% | 137 (1.9×) | – | Harder |
| 93657 | Sanger | 2% | 135 (5.0×) | 15% | Harder |
| 93646 | Orange Cove | 2% | 20 (1.5×) | – | Harder |
| 93728 | Fresno | 2% | 55 (1.8×) | – | Harder |
| 93609 | Caruthers | 1% | 10 (2.0×) | – | Easy |
| 93725 | Fresno | 1% | 54 (2.1×) | – | Easy |
| 93662 | Selma | 1% | 57 (28.5×) | – | Easy |
| 93660 | San Joaquin | 1% | 5 (5.0×) | – | Easy |
| 93703 | Fresno | 1% | 54 (3.9×) | – | Easy |
| 93654 | Reedley | 1% | 44 (7.3×) | – | Easy |
| 93242 | Laton | 1% | 3 (3.0×) | – | Easy |
| 93608 | Cantua Creek | 1% | 1 (1.0×) | – | Easy |
| 93612 | Clovis | 1% | 54 (18.0×) | – | Easy |
| 93625 | Fowler | 1% | 12 (6.0×) | – | Easy |
| 93630 | Kerman | 1% | 26 (3.2×) | – | Easy |
| 93656 | Riverdale | 1% | 7 (3.5×) | – | Easy |
| 93616 | Del Rey | 1% | 2 | – | Easy |
| 93730 | Fresno | 1% | 28 (14.0×) | – | Easy |
| 93606 | Biola | 0% | 1 | – | Easy |
| 93704 | Fresno | 0% | 39 (2.8×) | – | Easy |
| 93705 | Fresno | 0% | 42 (4.7×) | – | Easy |
| 93723 | Fresno | 0% | 16 (1.5×) | – | Easy |
| 93726 | Fresno | 0% | 42 (8.4×) | – | Easy |
| 93737 | Fresno | 0% | 11 (3.7×) | – | Easy |
| 93720 | Fresno | 0% | 50 (12.5×) | – | Easy |
| 93722 | Fresno | 0% | 72 (3.6×) | – | Easy |
| 93727 | Fresno | 0% | 75 (5.0×) | – | Easy |
| 93631 | Kingsburg | 0% | 14 (2.3×) | – | Easy |
| 93648 | Parlier | 0% | 7 | – | Easy |
| 93711 | Fresno | 0% | 33 (4.7×) | – | Easy |
| 93234 | Huron | 0% | 1 (0.2×) | – | Easy |
| 93611 | Clovis | 0% | 29 (7.2×) | – | Easy |
| 93710 | Fresno | 0% | 14 (4.7×) | – | Easy |
| 93627 | Helm | 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%.