California › Inyo County
Inyo County, CA
Home insurance outlook by ZIP code
| Inyo Co. | California | |
|---|---|---|
| FAIR Plan policies | 305 (7.3× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,008 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 2 of 9 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 9 | 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 |
|---|---|---|---|---|---|
| 93549 | Olancha | 12% | 9 | – | Harder |
| 92389 | Tecopa | 7% | 2 | – | Harder |
| 93545 | Lone Pine | 7% | 41 (2.9×) | – | Harder |
| 93526 | Independence | 6% | 19 (4.8×) | 1% | Harder |
| 92384 | Shoshone | 6% | 1 | – | Harder |
| 93514 | Bishop | 5% | 213 (10.1×) | – | Harder |
| 93513 | Big Pine | 3% | 20 (6.7×) | – | Harder |
| 93522 | Darwin | 0% | – | – | Easy |
| 93530 | Keeler | 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%.