California › Napa County
Napa County, CA
Home insurance outlook by ZIP code
| Napa Co. | California | |
|---|---|---|
| FAIR Plan policies | 2,767 (3.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $7,655 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 5 of 10 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 6 of 10 | 291 of 1719 |
Cities: Napa
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 |
|---|---|---|---|---|---|
| 94567 | Pope Valley | 56% | 144 (1.3×) | 70% | Hardest |
| 94508 | Angwin | 34% | 313 (3.6×) | 76% | Hardest |
| 94576 | Deer Park | 33% | 21 (1.6×) | 100% | Hardest |
| 94573 | Rutherford | 24% | – | 14% | Hardest |
| 94515 | Calistoga | 21% | 568 (4.2×) | 76% | Hardest |
| 94574 | Saint Helena | 18% | 571 (3.3×) | 58% | Hardest |
| 94558 | Napa | 5% | 993 (4.6×) | 56% | Harder |
| 94599 | Yountville | 2% | 22 (11.0×) | 18% | Harder |
| 94503 | American Canyon | 1% | 59 (59.0×) | – | Easy |
| 94559 | Napa | 1% | 76 (5.8×) | 1% | 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%.