California › Lake County
Lake County, CA
Home insurance outlook by ZIP code
| Lake Co. | California | |
|---|---|---|
| FAIR Plan policies | 5,996 (3.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,133 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 7 of 14 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 11 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 |
|---|---|---|---|---|---|
| 95426 | Cobb | 45% | 428 (4.5×) | 98% | Hardest |
| 95461 | Middletown | 35% | 516 (3.9×) | 89% | Hardest |
| 95457 | Lower Lake | 33% | 505 (3.1×) | 66% | Hardest |
| 95493 | Witter Springs | 31% | 25 (5.0×) | 70% | Hardest |
| 95443 | Glenhaven | 30% | 50 (8.3×) | 100% | Hardest |
| 95451 | Kelseyville | 28% | 1,501 (2.2×) | 74% | Hardest |
| 95464 | Nice | 21% | 216 (7.0×) | 94% | Hardest |
| 95485 | Upper Lake | 20% | 168 (3.0×) | 49% | Hardest |
| 95458 | Lucerne | 19% | 284 (5.2×) | 39% | Hardest |
| 95423 | Clearlake Oaks | 18% | 403 (6.4×) | 51% | Hardest |
| 95467 | Hidden Valley Lake | 17% | 462 (6.8×) | 76% | Hardest |
| 95422 | Clearlake | 16% | 915 (6.3×) | 64% | Hardest |
| 95453 | Lakeport | 12% | 523 (10.3×) | 56% | Harder |
| 95435 | Finley | 7% | – | – | Harder |
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%.