California › Placer County
Placer County, CA
Home insurance outlook by ZIP code
| Placer Co. | California | |
|---|---|---|
| FAIR Plan policies | 18,984 (2.1× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,185 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 3 of 28 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 8 of 28 | 291 of 1719 |
Cities: Auburn · Rocklin · Roseville
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 |
|---|---|---|---|---|---|
| 95631 | Foresthill | 68% | 1,732 (1.2×) | 38% | Hardest |
| 95701 | Alta | 60% | 292 (1.4×) | 82% | Hardest |
| 95715 | Emigrant Gap | 59% | 74 (1.1×) | 43% | Hardest |
| 95722 | Meadow Vista | 58% | 1,322 (1.5×) | 3% | Hardest |
| 95717 | Gold Run | 54% | 50 (1.4×) | 53% | Hardest |
| 95713 | Colfax | 52% | 2,001 (1.5×) | 69% | Hardest |
| 95714 | Dutch Flat | 51% | 120 (1.7×) | 90% | Hardest |
| 96146 | Olympic Valley | 49% | 911 (1.8×) | 39% | Hardest |
| 96148 | Tahoe Vista | 49% | 521 (3.1×) | 64% | Hardest |
| 96145 | Tahoe City | 48% | 1,686 (2.1×) | 51% | Hardest |
| 95703 | Applegate | 46% | 384 (1.5×) | 57% | Hardest |
| 96140 | Carnelian Bay | 45% | 829 (3.1×) | 34% | Hardest |
| 96141 | Homewood | 44% | 647 (4.2×) | 18% | Hardest |
| 96143 | Kings Beach | 42% | 640 (2.0×) | 35% | Hardest |
| 95602 | Auburn | 39% | 2,886 (1.9×) | 14% | Hardest |
| 95658 | Newcastle | 21% | 637 (5.4×) | 8% | Hardest |
| 95603 | Auburn | 20% | 2,105 (3.1×) | 22% | Hardest |
| 95650 | Loomis | 14% | 714 (5.6×) | 3% | Harder |
| 95663 | Penryn | 14% | 147 (9.2×) | – | Harder |
| 95736 | Weimar | 10% | 13 | 87% | Harder |
| 95746 | Granite Bay | 9% | 706 (7.8×) | 5% | Harder |
| 95681 | Sheridan | 5% | 20 (10.0×) | – | Harder |
| 95648 | Lincoln | 1% | 293 (7.0×) | 3% | Easy |
| 95677 | Rocklin | 1% | 89 (44.5×) | – | Easy |
| 95747 | Roseville | 0% | 91 (22.8×) | 1% | Easy |
| 95765 | Rocklin | 0% | 32 (32.0×) | – | Easy |
| 95661 | Roseville | 0% | 19 (9.5×) | – | Easy |
| 95678 | Roseville | 0% | 23 (5.8×) | – | 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%.