California › Imperial County
Imperial County, CA
Home insurance outlook by ZIP code
| Imperial Co. | California | |
|---|---|---|
| FAIR Plan policies | 688 (2.9× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $633 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 3 of 14 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 14 | 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 |
|---|---|---|---|---|---|
| 92273 | Seeley | 6% | 12 | – | Harder |
| 92257 | Niland | 5% | 25 (8.3×) | – | Harder |
| 92259 | Ocotillo | 4% | 6 (3.0×) | – | Harder |
| 92283 | Winterhaven | 4% | 8 (4.0×) | – | Harder |
| 92266 | Palo Verde | 3% | 5 | – | Harder |
| 92231 | Calexico | 3% | 202 (2.2×) | – | Harder |
| 92243 | El Centro | 2% | 215 (2.6×) | – | Harder |
| 92227 | Brawley | 2% | 102 (4.1×) | – | Harder |
| 92233 | Calipatria | 2% | 12 (6.0×) | – | Harder |
| 92250 | Holtville | 2% | 29 (4.1×) | – | Harder |
| 92249 | Heber | 1% | 16 (3.2×) | – | Easy |
| 92281 | Westmorland | 1% | 4 (1.3×) | – | Easy |
| 92251 | Imperial | 1% | 51 (3.0×) | – | Easy |
| 92275 | Salton City | 1% | 1 | – | 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%.