California › Riverside County
Riverside County, CA
Home insurance outlook by ZIP code
| Riverside Co. | California | |
|---|---|---|
| FAIR Plan policies | 65,750 (7.1× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,777 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 19 of 70 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 18 of 70 | 291 of 1719 |
Cities: Corona · Desert Hot Springs · Hemet · Indio · Lake Elsinore · Moreno Valley · Murrieta · Palm Desert · Palm Springs · Perris · Riverside · San Jacinto · Sun City · Temecula
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 |
|---|---|---|---|---|---|
| 92549 | Idyllwild | 68% | 2,781 (1.5×) | 27% | Hardest |
| 92539 | Anza | 50% | 749 (2.5×) | 60% | Hardest |
| 92590 | Temecula | 46% | 450 (3.0×) | 87% | Hardest |
| 92561 | Mountain Center | 44% | 442 (2.9×) | 15% | Hardest |
| 92536 | Aguanga | 38% | 564 (3.0×) | 64% | Hardest |
| 92548 | Homeland | 27% | 552 (6.3×) | 91% | Hardest |
| 92230 | Cabazon | 25% | 182 (13.0×) | – | Hardest |
| 92570 | Perris | 24% | 3,156 (5.8×) | 71% | Hardest |
| 92282 | Whitewater | 24% | 125 (3.2×) | – | Hardest |
| 92320 | Calimesa | 22% | 1,093 (11.6×) | 83% | Hardest |
| 92567 | Nuevo | 22% | 612 (7.2×) | 50% | Hardest |
| 92532 | Lake Elsinore | 20% | 1,689 (8.6×) | 87% | Hardest |
| 92595 | Wildomar | 20% | 2,127 (8.5×) | 60% | Hardest |
| 92883 | Corona | 19% | 2,551 (13.3×) | 54% | Hardest |
| 92530 | Lake Elsinore | 18% | 2,927 (6.3×) | 34% | Hardest |
| 92587 | Quail Valley | 17% | 1,239 (12.9×) | 50% | Hardest |
| 92518 | March Air Reserve Base | 17% | 1 | 38% | Hardest |
| 92562 | Murrieta | 16% | 3,155 (5.7×) | 41% | Hardest |
| 92223 | Beaumont | 15% | 3,139 (11.1×) | 60% | Hardest |
| 92220 | Banning | 15% | 1,661 (8.9×) | 24% | Hardest |
| 92555 | Moreno Valley | 15% | 1,763 (16.5×) | 67% | Hardest |
| 92882 | Corona | 14% | 2,246 (8.9×) | 27% | Harder |
| 92544 | Hemet | 14% | 1,919 (5.2×) | 55% | Harder |
| 92596 | Winchester | 12% | 1,326 (31.6×) | 63% | Harder |
| 92258 | North Palm Springs | 12% | 15 (7.5×) | – | Harder |
| 92557 | Moreno Valley | 11% | 1,619 (11.6×) | 67% | Harder |
| 92545 | Hemet | 10% | 1,582 (11.8×) | 46% | Harder |
| 92592 | Temecula | 10% | 2,550 (9.9×) | 59% | Harder |
| 92239 | Desert Center | 10% | 17 | – | Harder |
| 92507 | Riverside | 10% | 1,004 (12.2×) | 46% | Harder |
| 92543 | Hemet | 10% | 886 (11.7×) | 45% | Harder |
| 92585 | Sun City | 9% | 799 (25.8×) | 27% | Harder |
| 92563 | Murrieta | 9% | 1,887 (20.3×) | 56% | Harder |
| 92503 | Riverside | 9% | 1,828 (10.1×) | 49% | Harder |
| 92571 | Perris | 9% | 1,078 (6.8×) | 38% | Harder |
| 92584 | Menifee | 8% | 1,639 (13.4×) | 41% | Harder |
| 92881 | Corona | 8% | 715 (11.9×) | 25% | Harder |
| 92583 | San Jacinto | 8% | 654 (9.8×) | 37% | Harder |
| 92264 | Palm Springs | 8% | 515 (51.5×) | 3% | Harder |
| 92508 | Riverside | 7% | 726 (31.6×) | 21% | Harder |
| 92509 | Riverside | 7% | 1,272 (5.9×) | 30% | Harder |
| 92582 | San Jacinto | 7% | 403 (10.1×) | 18% | Harder |
| 92860 | Norco | 7% | 485 (16.2×) | 24% | Harder |
| 92586 | Sun City | 7% | 633 (45.2×) | 29% | Harder |
| 92551 | Moreno Valley | 6% | 485 (7.7×) | 3% | Harder |
| 92241 | Desert Hot Springs | 6% | 223 (13.9×) | – | Harder |
| 92880 | Corona | 6% | 1,166 (15.1×) | 29% | Harder |
| 92506 | Riverside | 6% | 825 (19.6×) | 30% | Harder |
| 92879 | Corona | 6% | 539 (7.1×) | 17% | Harder |
| 92504 | Riverside | 6% | 688 (9.2×) | 20% | Harder |
| 91752 | Mira Loma | 5% | 423 (5.7×) | 1% | Harder |
| 92225 | Blythe | 5% | 240 (13.3×) | – | Harder |
| 92505 | Riverside | 5% | 485 (9.5×) | 32% | Harder |
| 92276 | Thousand Palms | 4% | 141 (6.1×) | – | Harder |
| 92553 | Moreno Valley | 4% | 626 (5.1×) | 1% | Harder |
| 92591 | Temecula | 4% | 484 (24.2×) | 36% | Harder |
| 92501 | Riverside | 4% | 192 (6.4×) | – | Harder |
| 92240 | Desert Hot Springs | 4% | 434 (8.5×) | – | Harder |
| 92254 | Mecca | 4% | 53 (8.8×) | – | Harder |
| 92274 | Thermal | 4% | 106 (7.1×) | 1% | Harder |
| 92262 | Palm Springs | 4% | 325 (20.3×) | – | Harder |
| 92210 | Indian Wells | 3% | 96 (48.0×) | – | Harder |
| 92260 | Palm Desert | 3% | 288 (24.0×) | 1% | Harder |
| 92270 | Rancho Mirage | 2% | 202 (20.2×) | – | Harder |
| 92234 | Cathedral City | 2% | 301 (12.5×) | – | Harder |
| 92253 | La Quinta | 1% | 242 (24.2×) | – | Easy |
| 92201 | Indio | 1% | 171 (6.1×) | – | Easy |
| 92236 | Coachella | 1% | 73 (3.8×) | – | Easy |
| 92203 | Indio | 1% | 106 (13.2×) | – | Easy |
| 92211 | Palm Desert | 1% | 80 (26.7×) | – | 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%.