California › Orange County
Orange County, CA
Home insurance outlook by ZIP code
| Orange Co. | California | |
|---|---|---|
| FAIR Plan policies | 26,812 (6.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,102 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 19 of 89 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 13 of 89 | 291 of 1719 |
Cities: Anaheim · Brea · Buena Park · Costa Mesa · Fullerton · Garden Grove · Huntington Beach · Irvine · Mission Viejo · Newport Beach · Orange · San Clemente · Santa Ana · Trabuco Canyon · Tustin · Yorba Linda
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 |
|---|---|---|---|---|---|
| 92676 | Silverado | 80% | 614 (1.1×) | 52% | Hardest |
| 92678 | Trabuco Canyon | 48% | – | 16% | Hardest |
| 92679 | Trabuco Canyon | 30% | 3,398 (4.0×) | 49% | Hardest |
| 92637 | Laguna Woods | 25% | 184 (61.3×) | 16% | Hardest |
| 92657 | Newport Coast | 16% | 610 (6.6×) | 80% | Hardest |
| 92688 | Rancho Santa Margarita | 16% | 1,459 (27.0×) | 66% | Hardest |
| 92651 | Laguna Beach | 16% | 1,606 (4.3×) | 93% | Hardest |
| 92610 | Foothill Ranch | 15% | 544 (15.5×) | 74% | Hardest |
| 92694 | Ladera Ranch | 15% | 1,326 (47.4×) | 84% | Hardest |
| 92887 | Yorba Linda | 15% | 901 (3.9×) | 65% | Hardest |
| 92808 | Anaheim | 13% | 710 (24.5×) | 54% | Harder |
| 92823 | Brea | 12% | 193 (3.9×) | 93% | Harder |
| 92673 | San Clemente | 11% | 951 (29.7×) | 50% | Harder |
| 92603 | Irvine | 9% | 404 (23.8×) | 51% | Harder |
| 92675 | San Juan Capistrano | 8% | 767 (12.6×) | 29% | Harder |
| 92672 | San Clemente | 8% | 764 (26.3×) | 9% | Harder |
| 92656 | Aliso Viejo | 8% | 620 (14.8×) | 37% | Harder |
| 92618 | Irvine | 7% | 780 (39.0×) | 28% | Harder |
| 92612 | Irvine | 7% | 120 | 3% | Harder |
| 92677 | Laguna Niguel | 7% | 1,077 (11.3×) | 34% | Harder |
| 92807 | Anaheim | 6% | 598 (9.1×) | 24% | Harder |
| 92886 | Yorba Linda | 6% | 811 (9.1×) | 30% | Harder |
| 92602 | Irvine | 5% | 298 (17.5×) | 74% | Harder |
| 90631 | La Habra | 5% | 644 (2.5×) | 24% | Harder |
| 92821 | Brea | 5% | 440 (6.2×) | 58% | Harder |
| 92692 | Mission Viejo | 4% | 490 (15.8×) | 6% | Harder |
| 92701 | Santa Ana | 3% | 136 (2.0×) | – | Harder |
| 92869 | Orange | 3% | 271 (12.3×) | 57% | Harder |
| 92630 | Lake Forest | 3% | 429 (17.2×) | 6% | Harder |
| 92782 | Tustin | 3% | 141 (12.8×) | 13% | Harder |
| 92703 | Santa Ana | 3% | 214 (2.3×) | – | Harder |
| 92620 | Irvine | 3% | 334 (18.6×) | 2% | Harder |
| 92683 | Westminster | 3% | 464 (27.3×) | – | Harder |
| 90621 | Buena Park | 3% | 102 (4.6×) | 1% | Harder |
| 90680 | Stanton | 2% | 93 (7.8×) | – | Harder |
| 92653 | Laguna Hills | 2% | 158 (10.5×) | 2% | Harder |
| 92655 | Midway City | 2% | 36 (18.0×) | – | Harder |
| 92705 | Santa Ana | 2% | 245 (6.4×) | 8% | Harder |
| 92707 | Santa Ana | 2% | 182 (2.2×) | – | Harder |
| 92867 | Orange | 2% | 242 (26.9×) | 47% | Harder |
| 90742 | Sunset Beach | 2% | 7 (3.5×) | – | Harder |
| 92624 | Capistrano Beach | 2% | 52 (13.0×) | – | Harder |
| 92704 | Santa Ana | 2% | 243 (3.0×) | – | Harder |
| 92660 | Newport Beach | 2% | 159 (13.2×) | – | Harder |
| 90743 | Surfside | 2% | 3 | – | Harder |
| 92861 | Villa Park | 2% | 41 (13.7×) | 2% | Harder |
| 92629 | Dana Point | 2% | 143 (20.4×) | 6% | Harder |
| 92843 | Garden Grove | 2% | 120 (15.0×) | – | Harder |
| 92801 | Anaheim | 2% | 124 (5.2×) | – | Harder |
| 92604 | Irvine | 2% | 82 (82.0×) | – | Harder |
| 92833 | Fullerton | 2% | 176 (7.0×) | 20% | Harder |
| 92841 | Garden Grove | 2% | 104 (52.0×) | – | Harder |
| 92844 | Garden Grove | 2% | 47 (47.0×) | – | Harder |
| 92625 | Corona del Mar | 2% | 68 (9.7×) | 21% | Harder |
| 92804 | Anaheim | 2% | 176 (8.8×) | – | Harder |
| 92805 | Anaheim | 2% | 133 (4.8×) | – | Harder |
| 92691 | Mission Viejo | 1% | 164 (13.7×) | 8% | Easy |
| 92614 | Irvine | 1% | 42 (14.0×) | – | Easy |
| 92802 | Anaheim | 1% | 58 (5.3×) | – | Easy |
| 92806 | Anaheim | 1% | 68 (13.6×) | – | Easy |
| 92661 | Newport Beach | 1% | 21 (4.2×) | – | Easy |
| 92840 | Garden Grove | 1% | 101 (14.4×) | – | Easy |
| 92868 | Orange | 1% | 32 (10.7×) | – | Easy |
| 92663 | Newport Beach | 1% | 57 (7.1×) | – | Easy |
| 92831 | Fullerton | 1% | 56 (4.7×) | 9% | Easy |
| 92835 | Fullerton | 1% | 61 (4.7×) | 5% | Easy |
| 92870 | Placentia | 1% | 107 (9.7×) | – | Easy |
| 92708 | Fountain Valley | 1% | 116 (7.7×) | – | Easy |
| 92780 | Tustin | 1% | 67 (8.4×) | – | Easy |
| 92832 | Fullerton | 1% | 35 (5.0×) | – | Easy |
| 90630 | Cypress | 1% | 87 (3.8×) | – | Easy |
| 92648 | Huntington Beach | 1% | 74 (7.4×) | – | Easy |
| 92706 | Santa Ana | 1% | 44 (7.3×) | – | Easy |
| 92866 | Orange | 1% | 26 (8.7×) | – | Easy |
| 90620 | Buena Park | 1% | 80 (3.6×) | – | Easy |
| 92617 | Irvine | 1% | 7 | – | Easy |
| 92627 | Costa Mesa | 1% | 73 (6.6×) | – | Easy |
| 92649 | Huntington Beach | 1% | 61 (6.1×) | – | Easy |
| 90623 | La Palma | 1% | 22 (3.1×) | – | Easy |
| 90740 | Seal Beach | 1% | 31 (3.9×) | – | Easy |
| 92606 | Irvine | 1% | 20 (20.0×) | – | Easy |
| 92646 | Huntington Beach | 1% | 97 (8.1×) | – | Easy |
| 92865 | Orange | 1% | 25 (5.0×) | – | Easy |
| 90720 | Los Alamitos | 0% | 28 (9.3×) | – | Easy |
| 92647 | Huntington Beach | 0% | 61 (8.7×) | – | Easy |
| 92626 | Costa Mesa | 0% | 35 (8.8×) | – | Easy |
| 92662 | Newport Beach | 0% | 6 (6.0×) | – | Easy |
| 92845 | Garden Grove | 0% | 16 | – | Easy |
| 92862 | Orange | 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%.