California › Mono County
Mono County, CA
Home insurance outlook by ZIP code
| Mono Co. | California | |
|---|---|---|
| FAIR Plan policies | 2,152 (5.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,618 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 2 of 7 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 7 | 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 |
|---|---|---|---|---|---|
| 93529 | June Lake | 42% | 282 (2.0×) | 2% | Hardest |
| 93546 | Mammoth Lakes | 35% | 1,632 (8.3×) | 2% | Hardest |
| 93541 | Lee Vining | 30% | 60 (5.0×) | – | Hardest |
| 93517 | Bridgeport | 21% | 122 (3.5×) | 1% | Hardest |
| 96107 | Coleville | 13% | 42 (10.5×) | 10% | Harder |
| 96133 | Topaz | 13% | 9 (9.0×) | 11% | Harder |
| 93512 | Benton | 10% | 5 (1.7×) | – | 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%.