California › Madera County
Madera County, CA
Home insurance outlook by ZIP code
| Madera Co. | California | |
|---|---|---|
| FAIR Plan policies | 5,560 (2.4× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,105 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 2 of 12 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 12 | 291 of 1719 |
Cities: Madera
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 |
|---|---|---|---|---|---|
| 93669 | Wishon | 52% | 120 (1.2×) | 18% | Hardest |
| 93643 | North Fork | 50% | 650 (1.3×) | 11% | Hardest |
| 93604 | Bass Lake | 47% | 601 (2.4×) | 7% | Hardest |
| 93644 | Oakhurst | 39% | 1,628 (2.6×) | 14% | Hardest |
| 93601 | Ahwahnee | 38% | 335 (2.4×) | 46% | Hardest |
| 93645 | O'Neals | 38% | 48 (2.2×) | 62% | Hardest |
| 93614 | Coarsegold | 32% | 1,729 (3.2×) | 43% | Hardest |
| 93653 | Raymond | 29% | 113 (2.0×) | 25% | Hardest |
| 93636 | Madera | 2% | 115 (8.8×) | – | Harder |
| 93638 | Madera | 1% | 132 (9.4×) | – | Easy |
| 93637 | Madera | 1% | 65 (6.5×) | – | Easy |
| 93610 | Chowchilla | 1% | 24 (6.0×) | – | 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%.