California › Modoc County
Modoc County, CA
Home insurance outlook by ZIP code
| Modoc Co. | California | |
|---|---|---|
| FAIR Plan policies | 293 (9.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,129 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 6 of 10 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 10 | 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 |
|---|---|---|---|---|---|
| 96115 | Lake City | 26% | 16 | 6% | Hardest |
| 96015 | Canby | 19% | 13 (6.5×) | 6% | Hardest |
| 96108 | Davis Creek | 18% | 16 (16.0×) | 9% | Hardest |
| 96112 | Fort Bidwell | 16% | 9 (4.5×) | 4% | Hardest |
| 96054 | Lookout | 16% | 11 (2.2×) | 9% | Hardest |
| 96116 | Likely | 13% | 7 | 6% | Harder |
| 96110 | Eagleville | 13% | 5 | – | Harder |
| 96104 | Cedarville | 11% | 28 (9.3×) | 3% | Harder |
| 96006 | Adin | 11% | 20 (10.0×) | 7% | Harder |
| 96101 | Alturas | 9% | 168 (10.5×) | 13% | 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%.