California › Humboldt County
Humboldt County, CA
Home insurance outlook by ZIP code
| Humboldt Co. | California | |
|---|---|---|
| FAIR Plan policies | 3,375 (3.6× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,039 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 9 of 35 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 3 of 35 | 291 of 1719 |
Cities: Eureka
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 |
|---|---|---|---|---|---|
| 95550 | Korbel | 67% | 24 (1.3×) | 41% | Hardest |
| 95554 | Myers Flat | 57% | 111 (1.1×) | 41% | Hardest |
| 95556 | Orleans | 41% | 46 (1.6×) | 5% | Hardest |
| 95514 | Blocksburg | 36% | 11 (1.4×) | 81% | Hardest |
| 95545 | Honeydew | 34% | – | 8% | Hardest |
| 95542 | Garberville | 32% | 222 (1.1×) | 31% | Hardest |
| 95559 | Phillipsville | 30% | – | 44% | Hardest |
| 95553 | Miranda | 29% | – | 2% | Hardest |
| 95573 | Willow Creek | 29% | 237 (2.2×) | 34% | Hardest |
| 95569 | Redcrest | 27% | 16 (1.8×) | 43% | Hardest |
| 95526 | Bridgeville | 25% | 46 (1.0×) | 65% | Hardest |
| 95558 | Petrolia | 24% | 31 (1.1×) | 25% | Hardest |
| 95565 | Scotia | 24% | 52 (52.0×) | – | Hardest |
| 95511 | Alderpoint | 24% | 10 (0.7×) | 90% | Hardest |
| 95589 | Whitethorn | 23% | 173 (2.2×) | 7% | Hardest |
| 95560 | Redway | 23% | 118 (1.4×) | – | Hardest |
| 95546 | Hoopa | 18% | 38 (4.8×) | 25% | Hardest |
| 95549 | Kneeland | 17% | 57 (3.6×) | 28% | Hardest |
| 95528 | Carlotta | 17% | 69 (4.6×) | 29% | Hardest |
| 95555 | Orick | 16% | 16 (4.0×) | – | Hardest |
| 95570 | Trinidad | 14% | 173 (12.4×) | – | Harder |
| 95525 | Blue Lake | 12% | 73 (3.3×) | 16% | Harder |
| 95524 | Bayside | 10% | 69 (17.2×) | – | Harder |
| 95562 | Rio Dell | 9% | 106 (35.3×) | – | Harder |
| 95564 | Samoa | 7% | 6 | – | Harder |
| 95503 | Eureka | 7% | 572 (22.9×) | – | Harder |
| 95551 | Loleta | 6% | 25 (8.3×) | – | Harder |
| 95521 | Arcata | 6% | 295 (8.0×) | – | Harder |
| 95571 | Weott | 6% | – | – | Harder |
| 95540 | Fortuna | 5% | 229 (10.9×) | – | Harder |
| 95536 | Ferndale | 5% | 41 (3.2×) | – | Harder |
| 95519 | McKinleyville | 5% | 315 (15.8×) | – | Harder |
| 95547 | Hydesville | 5% | 19 (19.0×) | – | Harder |
| 95501 | Eureka | 3% | 175 (19.4×) | – | Harder |
| 95537 | Fields Landing | 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%.