California › Kern County
Kern County, CA
Home insurance outlook by ZIP code
| Kern Co. | California | |
|---|---|---|
| FAIR Plan policies | 11,616 (2.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,303 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 14 of 49 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 49 | 291 of 1719 |
Cities: Bakersfield
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 |
|---|---|---|---|---|---|
| 93222 | Pine Mountain Club | 52% | 998 (1.5×) | 10% | Hardest |
| 93285 | Wofford Heights | 45% | 784 (1.3×) | 22% | Hardest |
| 93531 | Keene | 44% | 117 (1.4×) | 87% | Hardest |
| 93205 | Bodfish | 43% | 399 (1.8×) | 23% | Hardest |
| 93518 | Caliente | 37% | 208 (2.2×) | 65% | Hardest |
| 93243 | Lebec | 36% | 185 (2.9×) | 83% | Hardest |
| 93226 | Glennville | 34% | 30 (1.4×) | 40% | Hardest |
| 93225 | Frazier Park | 31% | 902 (2.9×) | 14% | Hardest |
| 93238 | Kernville | 28% | 309 (4.8×) | 10% | Hardest |
| 93240 | Lake Isabella | 27% | 776 (6.6×) | 18% | Hardest |
| 93283 | Weldon | 26% | 240 (7.1×) | 11% | Hardest |
| 93287 | Woody | 21% | 12 (2.0×) | 2% | Hardest |
| 93558 | Red Mountain | 20% | 1 | – | Hardest |
| 93561 | Tehachapi | 18% | 2,153 (3.1×) | 59% | Hardest |
| 93255 | Onyx | 14% | 31 (3.4×) | 4% | Harder |
| 93528 | Johannesburg | 12% | 5 (1.2×) | – | Harder |
| 93527 | Inyokern | 11% | 91 (4.0×) | 4% | Harder |
| 93501 | Mojave | 9% | 124 (6.5×) | 2% | Harder |
| 93523 | Edwards | 8% | 31 (10.3×) | – | Harder |
| 93252 | Maricopa | 8% | 28 (1.3×) | 9% | Harder |
| 93516 | Boron | 7% | 44 (7.3×) | – | Harder |
| 93554 | Randsburg | 6% | 2 | – | Harder |
| 93206 | Buttonwillow | 5% | 16 (5.3×) | – | Harder |
| 93505 | California City | 5% | 201 (8.7×) | – | Harder |
| 93203 | Arvin | 5% | 163 (7.4×) | 5% | Harder |
| 93305 | Bakersfield | 4% | 333 (2.2×) | – | Harder |
| 93268 | Taft | 4% | 169 (4.8×) | – | Harder |
| 93276 | Tupman | 4% | 3 (3.0×) | – | Harder |
| 93301 | Bakersfield | 4% | 90 (2.9×) | – | Harder |
| 93560 | Rosamond | 4% | 213 (12.5×) | – | Harder |
| 93241 | Lamont | 3% | 73 (4.1×) | – | Harder |
| 93304 | Bakersfield | 3% | 359 (2.2×) | – | Harder |
| 93307 | Bakersfield | 3% | 548 (1.9×) | – | Harder |
| 93555 | Ridgecrest | 3% | 345 (17.2×) | – | Harder |
| 93308 | Bakersfield | 3% | 373 (4.1×) | 16% | Harder |
| 93306 | Bakersfield | 3% | 485 (6.0×) | 12% | Harder |
| 93224 | Fellows | 2% | 2 | 5% | Harder |
| 93249 | Lost Hills | 2% | 4 (1.3×) | – | Harder |
| 93309 | Bakersfield | 1% | 177 (5.7×) | – | Easy |
| 93263 | Shafter | 1% | 56 (4.7×) | – | Easy |
| 93280 | Wasco | 1% | 50 (5.6×) | – | Easy |
| 93215 | Delano | 1% | 79 (2.4×) | – | Easy |
| 93250 | McFarland | 1% | 25 (6.2×) | – | Easy |
| 93313 | Bakersfield | 1% | 128 (4.0×) | – | Easy |
| 93311 | Bakersfield | 1% | 90 (15.0×) | 2% | Easy |
| 93312 | Bakersfield | 1% | 105 (6.2×) | – | Easy |
| 93314 | Bakersfield | 1% | 59 (3.1×) | – | Easy |
| 93251 | McKittrick | 0% | – | 2% | Easy |
| 93519 | Cantil | 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%.