California › San Benito County
San Benito County, CA
Home insurance outlook by ZIP code
| San Benito Co. | California | |
|---|---|---|
| FAIR Plan policies | 409 (4.2× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,480 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 4 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 4 | 291 of 1719 |
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 |
|---|---|---|---|---|---|
| 95043 | Paicines | 34% | 51 (1.9×) | 59% | Hardest |
| 95075 | Tres Pinos | 8% | 14 | 10% | Harder |
| 95045 | San Juan Bautista | 8% | 95 (4.0×) | 2% | Harder |
| 95023 | Hollister | 2% | 249 (5.3×) | 44% | Harder |
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%.