California › Monterey County
Monterey County, CA
Home insurance outlook by ZIP code
| Monterey Co. | California | |
|---|---|---|
| FAIR Plan policies | 5,290 (2.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,865 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 7 of 27 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 27 | 291 of 1719 |
Cities: Salinas
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 |
|---|---|---|---|---|---|
| 93920 | Big Sur | 46% | 133 (1.4×) | 25% | Hardest |
| 93426 | Bradley | 38% | 385 (1.5×) | 64% | Hardest |
| 93924 | Carmel Valley | 31% | 869 (2.1×) | 28% | Hardest |
| 93928 | Jolon | 20% | – | 1% | Hardest |
| 93923 | Carmel | 20% | 1,270 (2.4×) | 49% | Hardest |
| 95004 | Aromas | 12% | 151 (7.2×) | 8% | Harder |
| 93907 | Salinas | 11% | 701 (5.6×) | – | Harder |
| 93908 | Salinas | 11% | 472 (2.4×) | 21% | Harder |
| 93450 | San Ardo | 10% | 9 (1.3×) | 66% | Harder |
| 93932 | Lockwood | 8% | 11 (1.2×) | 52% | Harder |
| 93953 | Pebble Beach | 8% | 199 (5.1×) | 71% | Harder |
| 93954 | San Lucas | 7% | 4 | 47% | Harder |
| 93925 | Chualar | 7% | 16 (1.8×) | 20% | Harder |
| 93930 | King City | 6% | 175 (6.5×) | 45% | Harder |
| 93940 | Monterey | 6% | 438 (3.6×) | 43% | Harder |
| 95012 | Castroville | 4% | 63 (9.0×) | – | Harder |
| 93921 | Carmel-By-The-Sea | 3% | – | 43% | Harder |
| 93927 | Greenfield | 2% | 72 (2.1×) | 46% | Harder |
| 95039 | Moss Landing | 2% | 5 (5.0×) | – | Harder |
| 93933 | Marina | 2% | 81 (81.0×) | 1% | Harder |
| 93950 | Pacific Grove | 1% | 51 (51.0×) | 10% | Easy |
| 93960 | Soledad | 1% | 32 (2.9×) | 44% | Easy |
| 93926 | Gonzales | 1% | 11 (2.2×) | 7% | Easy |
| 93905 | Salinas | 1% | 47 (15.7×) | – | Easy |
| 93955 | Seaside | 1% | 37 | 5% | Easy |
| 93901 | Salinas | 0% | 20 (4.0×) | – | Easy |
| 93906 | Salinas | 0% | 38 (19.0×) | – | 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%.