California › Mendocino County
Mendocino County, CA
Home insurance outlook by ZIP code
| Mendocino Co. | California | |
|---|---|---|
| FAIR Plan policies | 4,873 (3.3× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,576 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 26 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 7 of 26 | 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 |
|---|---|---|---|---|---|
| 95429 | Dos Rios | 57% | 21 (1.3×) | 97% | Hardest |
| 95494 | Yorkville | 34% | 54 (2.6×) | 36% | Hardest |
| 95587 | Piercy | 32% | 17 (1.3×) | 2% | Hardest |
| 95456 | Little River | 28% | 146 (5.6×) | 18% | Hardest |
| 95469 | Potter Valley | 26% | 157 (1.7×) | 55% | Hardest |
| 95445 | Gualala | 25% | 361 (3.9×) | 11% | Hardest |
| 95454 | Laytonville | 25% | 160 (1.3×) | 37% | Hardest |
| 95466 | Philo | 25% | 92 (3.1×) | 17% | Hardest |
| 95463 | Navarro | 23% | 19 | – | Hardest |
| 95490 | Willits | 23% | 1,048 (2.1×) | 40% | Hardest |
| 95420 | Caspar | 22% | 35 (5.0×) | 1% | Hardest |
| 95449 | Hopland | 20% | 79 (4.4×) | 91% | Hardest |
| 95415 | Boonville | 20% | 89 (2.6×) | 59% | Hardest |
| 95488 | Westport | 19% | 22 (2.0×) | 1% | Hardest |
| 95459 | Manchester | 18% | 61 (3.2×) | – | Hardest |
| 95432 | Elk | 18% | 32 (2.1×) | 1% | Hardest |
| 95585 | Leggett | 17% | 13 (2.2×) | 17% | Hardest |
| 95410 | Albion | 17% | 82 (2.9×) | 4% | Hardest |
| 95417 | Branscomb | 17% | 9 (2.2×) | 7% | Hardest |
| 95470 | Redwood Valley | 16% | 304 (3.9×) | 61% | Hardest |
| 95482 | Ukiah | 15% | 1,262 (6.7×) | 60% | Hardest |
| 95460 | Mendocino | 14% | 190 (5.8×) | 6% | Harder |
| 95468 | Point Arena | 14% | 54 (7.7×) | 2% | Harder |
| 95428 | Covelo | 11% | 39 (1.0×) | 62% | Harder |
| 95427 | Comptche | 11% | 25 (2.3×) | 1% | Harder |
| 95437 | Fort Bragg | 9% | 502 (8.4×) | – | 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%.