California › Nevada County
Nevada County, CA
Home insurance outlook by ZIP code
| Nevada Co. | California | |
|---|---|---|
| FAIR Plan policies | 23,520 (2.1× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,241 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 12 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 7 of 12 | 291 of 1719 |
Cities: Grass Valley
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 |
|---|---|---|---|---|---|
| 95975 | Rough and Ready | 52% | 410 (1.7×) | 65% | Hardest |
| 95959 | Nevada City | 51% | 4,724 (1.8×) | 59% | Hardest |
| 95949 | Grass Valley | 51% | 4,923 (1.6×) | 48% | Hardest |
| 95986 | Washington | 50% | – | 55% | Hardest |
| 95960 | North San Juan | 46% | 118 (1.3×) | 71% | Hardest |
| 96111 | Floriston | 44% | 34 (1.5×) | 63% | Hardest |
| 95945 | Grass Valley | 40% | 4,190 (2.3×) | 89% | Hardest |
| 95977 | Smartsville | 40% | 280 (2.0×) | 46% | Hardest |
| 95728 | Soda Springs | 40% | 543 (2.8×) | 58% | Hardest |
| 96161 | Truckee | 39% | 6,443 (2.6×) | 46% | Hardest |
| 95724 | Norden | 34% | 66 (3.1×) | – | Hardest |
| 95946 | Penn Valley | 32% | 1,789 (3.1×) | 42% | Hardest |
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%.