California › Marin County
Marin County, CA
Home insurance outlook by ZIP code
| Marin Co. | California | |
|---|---|---|
| FAIR Plan policies | 4,713 (4.6× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,564 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 10 of 28 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 28 | 291 of 1719 |
Cities: Novato · San Rafael
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 |
|---|---|---|---|---|---|
| 94937 | Inverness | 33% | 295 (1.7×) | 5% | Hardest |
| 94940 | Marshall | 24% | 24 (3.0×) | 13% | Hardest |
| 94938 | Lagunitas | 22% | 54 (3.4×) | – | Hardest |
| 94933 | Forest Knolls | 20% | 61 (2.5×) | 1% | Hardest |
| 94946 | Nicasio | 18% | 43 (3.3×) | 1% | Hardest |
| 94965 | Sausalito | 18% | 482 (1.6×) | 15% | Hardest |
| 94973 | Woodacre | 14% | 66 (2.4×) | – | Harder |
| 94956 | Point Reyes Station | 13% | 65 (2.6×) | – | Harder |
| 94963 | San Geronimo | 11% | 22 (4.4×) | 1% | Harder |
| 94930 | Fairfax | 10% | 317 (8.8×) | 36% | Harder |
| 94941 | Mill Valley | 10% | 967 (4.4×) | 56% | Harder |
| 94970 | Stinson Beach | 9% | 62 (10.3×) | 38% | Harder |
| 94929 | Dillon Beach | 9% | 27 (9.0×) | – | Harder |
| 94950 | Olema | 8% | – | – | Harder |
| 94957 | Ross | 7% | 48 (8.0×) | – | Harder |
| 94939 | Larkspur | 7% | 132 (9.4×) | – | Harder |
| 94924 | Bolinas | 6% | 39 (9.8×) | 1% | Harder |
| 94904 | Greenbrae | 6% | 180 (5.5×) | 15% | Harder |
| 94971 | Tomales | 5% | 4 (2.0×) | 2% | Harder |
| 94925 | Corte Madera | 5% | 149 (7.1×) | – | Harder |
| 94949 | Novato | 5% | 209 (20.9×) | – | Harder |
| 94960 | San Anselmo | 5% | 257 (17.1×) | – | Harder |
| 94945 | Novato | 4% | 241 (15.1×) | – | Harder |
| 94947 | Novato | 4% | 275 (45.8×) | – | Harder |
| 94901 | San Rafael | 4% | 334 (14.5×) | – | Harder |
| 94903 | San Rafael | 3% | 239 (39.8×) | – | Harder |
| 94920 | Belvedere Tiburon | 3% | 121 (7.6×) | 18% | Harder |
| 94964 | San Quentin | 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%.