California › Mariposa County
Mariposa County, CA
Home insurance outlook by ZIP code
| Mariposa Co. | California | |
|---|---|---|
| FAIR Plan policies | 3,274 (2.0× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,297 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 8 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 8 | 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 |
|---|---|---|---|---|---|
| 95389 | Yosemite National Park | 63% | 321 (1.5×) | 0% | Hardest |
| 95345 | Midpines | 59% | 151 (1.5×) | 35% | Hardest |
| 95318 | El Portal | 58% | 60 (2.1×) | 4% | Hardest |
| 93623 | Fish Camp | 52% | 94 (1.6×) | 31% | Hardest |
| 95311 | Coulterville | 46% | 392 (1.4×) | 29% | Hardest |
| 95338 | Mariposa | 43% | 2,130 (2.3×) | 51% | Hardest |
| 95306 | Catheys Valley | 31% | 126 (3.3×) | 26% | Hardest |
| 95325 | Hornitos | 20% | – | 3% | Hardest |
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%.