California › Merced County
Merced County, CA
Home insurance outlook by ZIP code
| Merced Co. | California | |
|---|---|---|
| FAIR Plan policies | 312 (5.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,299 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 13 of 19 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 19 | 291 of 1719 |
Cities: Merced
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 |
|---|---|---|---|---|---|
| 95369 | Snelling | 12% | 26 (13.0×) | 4% | Harder |
| 95317 | El Nido | 9% | 3 (3.0×) | – | Harder |
| 95374 | Stevinson | 2% | 4 | – | Harder |
| 95303 | Ballico | 1% | 1 (1.0×) | – | Easy |
| 95322 | Gustine | 1% | 29 (29.0×) | 8% | Easy |
| 95333 | Le Grand | 1% | 6 | – | Easy |
| 95334 | Livingston | 1% | 22 (4.4×) | – | Easy |
| 95348 | Merced | 1% | 44 (11.0×) | – | Easy |
| 93620 | Dos Palos | 0% | 11 (5.5×) | – | Easy |
| 95315 | Delhi | 0% | 13 | – | Easy |
| 95324 | Hilmar | 0% | 9 | – | Easy |
| 95341 | Merced | 0% | 31 (3.4×) | – | Easy |
| 95340 | Merced | 0% | 46 (5.8×) | – | Easy |
| 95388 | Winton | 0% | 13 (6.5×) | – | Easy |
| 95301 | Atwater | 0% | 23 (2.6×) | – | Easy |
| 93635 | Los Banos | 0% | 29 (4.8×) | 10% | Easy |
| 95365 | Planada | 0% | 2 (0.3×) | – | Easy |
| 93665 | South Dos Palos | 0% | – | – | Easy |
| 95312 | Cressey | 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%.