California › Sacramento County
Sacramento County, CA
Home insurance outlook by ZIP code
| Sacramento Co. | California | |
|---|---|---|
| FAIR Plan policies | 1,817 (5.3× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,633 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 28 of 54 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 54 | 291 of 1719 |
Cities: Citrus Heights · Elk Grove · Rancho Cordova · Sacramento
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 |
|---|---|---|---|---|---|
| 95837 | Sacramento | 4% | 4 | – | Harder |
| 95638 | Herald | 2% | 15 (3.8×) | 5% | Harder |
| 95683 | Sloughhouse | 2% | 65 (16.2×) | – | Harder |
| 95641 | Isleton | 2% | 12 (2.0×) | – | Harder |
| 95830 | Sacramento | 2% | 4 | – | Harder |
| 95811 | Sacramento | 2% | 13 (2.2×) | – | Harder |
| 95630 | Folsom | 1% | 300 (37.5×) | – | Easy |
| 95693 | Wilton | 1% | 25 (5.0×) | – | Easy |
| 95814 | Sacramento | 1% | 7 (1.8×) | – | Easy |
| 95815 | Sacramento | 1% | 50 (1.7×) | – | Easy |
| 95615 | Courtland | 1% | 1 | – | Easy |
| 95690 | Walnut Grove | 1% | 4 (2.0×) | – | Easy |
| 95673 | Rio Linda | 1% | 29 (3.2×) | – | Easy |
| 95742 | Rancho Cordova | 1% | 40 | – | Easy |
| 95838 | Sacramento | 1% | 60 (1.3×) | – | Easy |
| 95817 | Sacramento | 1% | 28 (1.2×) | – | Easy |
| 95818 | Sacramento | 1% | 40 (2.1×) | – | Easy |
| 95820 | Sacramento | 1% | 68 (2.5×) | – | Easy |
| 95828 | Sacramento | 1% | 99 (16.5×) | – | Easy |
| 95832 | Sacramento | 1% | 15 (7.5×) | – | Easy |
| 95841 | Sacramento | 1% | 23 (11.5×) | – | Easy |
| 95626 | Elverta | 0% | 9 (9.0×) | – | Easy |
| 95822 | Sacramento | 0% | 68 (3.4×) | – | Easy |
| 95825 | Sacramento | 0% | 15 (5.0×) | – | Easy |
| 95829 | Sacramento | 0% | 51 (7.3×) | – | Easy |
| 95610 | Citrus Heights | 0% | 38 (9.5×) | – | Easy |
| 95660 | North Highlands | 0% | 29 (2.9×) | – | Easy |
| 95670 | Rancho Cordova | 0% | 57 (14.2×) | – | Easy |
| 95816 | Sacramento | 0% | 25 (2.5×) | – | Easy |
| 95823 | Sacramento | 0% | 65 (5.9×) | – | Easy |
| 95824 | Sacramento | 0% | 37 (3.7×) | – | Easy |
| 95827 | Sacramento | 0% | 22 (7.3×) | – | Easy |
| 95621 | Citrus Heights | 0% | 40 (20.0×) | – | Easy |
| 95624 | Elk Grove | 0% | 64 (32.0×) | – | Easy |
| 95632 | Galt | 0% | 27 (27.0×) | – | Easy |
| 95662 | Orangevale | 0% | 27 | – | Easy |
| 95757 | Elk Grove | 0% | 44 (14.7×) | – | Easy |
| 95758 | Elk Grove | 0% | 60 (60.0×) | – | Easy |
| 95833 | Sacramento | 0% | 28 (3.1×) | – | Easy |
| 95608 | Carmichael | 0% | 38 (6.3×) | – | Easy |
| 95628 | Fair Oaks | 0% | 34 (4.2×) | – | Easy |
| 95655 | Mather | 0% | 3 | – | Easy |
| 95821 | Sacramento | 0% | 17 (2.4×) | – | Easy |
| 95826 | Sacramento | 0% | 18 (4.5×) | – | Easy |
| 95835 | Sacramento | 0% | 22 | – | Easy |
| 95842 | Sacramento | 0% | 15 (7.5×) | – | Easy |
| 95864 | Sacramento | 0% | 19 (9.5×) | – | Easy |
| 95819 | Sacramento | 0% | 8 (1.3×) | – | Easy |
| 95831 | Sacramento | 0% | 14 (7.0×) | – | Easy |
| 95834 | Sacramento | 0% | 11 (3.7×) | – | Easy |
| 95843 | Antelope | 0% | 10 | – | Easy |
| 95639 | Hood | 0% | – | – | Easy |
| 95652 | McClellan | 0% | – | – | Easy |
| 95680 | Ryde | 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%.