California › San Bernardino County
San Bernardino County, CA
Home insurance outlook by ZIP code
| San Bernardino Co. | California | |
|---|---|---|
| FAIR Plan policies | 69,553 (2.3× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,239 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 5 of 86 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 10 of 86 | 291 of 1719 |
Cities: Apple Valley · Chino · Fontana · Hesperia · Ontario · Rancho Cucamonga · Redlands · Rialto · San Bernardino · Upland · Victorville
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 |
|---|---|---|---|---|---|
| 92322 | Cedarpines Park | 81% | 496 (1.1×) | 66% | Hardest |
| 92325 | Crestline | 77% | 4,296 (1.2×) | 61% | Hardest |
| 92385 | Skyforest | 77% | 160 (1.8×) | 12% | Hardest |
| 92391 | Twin Peaks | 76% | 1,000 (1.3×) | 82% | Hardest |
| 92378 | Rimforest | 74% | 190 (1.4×) | 40% | Hardest |
| 92352 | Lake Arrowhead | 74% | 6,862 (1.3×) | 57% | Hardest |
| 92382 | Running Springs | 71% | 2,816 (1.4×) | 34% | Hardest |
| 92321 | Cedar Glen | 70% | 273 (1.2×) | 69% | Hardest |
| 92333 | Fawnskin | 69% | 699 (1.5×) | 14% | Hardest |
| 92339 | Forest Falls | 68% | 491 (1.4×) | 16% | Hardest |
| 92341 | Green Valley Lake | 66% | 689 (1.4×) | 8% | Hardest |
| 92386 | Sugarloaf | 65% | 1,960 (1.6×) | 40% | Hardest |
| 92358 | Lytle Creek | 64% | 218 (1.2×) | 7% | Hardest |
| 92315 | Big Bear Lake | 61% | 5,761 (1.6×) | 20% | Hardest |
| 92305 | Angelus Oaks | 61% | 292 (1.3×) | 8% | Hardest |
| 92314 | Big Bear City | 57% | 5,547 (1.7×) | 27% | Hardest |
| 92397 | Wrightwood | 52% | 1,756 (2.1×) | 16% | Hardest |
| 92280 | Vidal | 44% | 20 (20.0×) | – | Hardest |
| 92268 | Pioneertown | 25% | 93 | 16% | Hardest |
| 92371 | Phelan | 25% | 1,418 (5.4×) | 10% | Hardest |
| 92372 | Pinon Hills | 24% | 579 (6.7×) | 9% | Hardest |
| 92399 | Yucaipa | 19% | 3,329 (4.6×) | 58% | Hardest |
| 92359 | Mentone | 18% | 482 (5.4×) | 36% | Hardest |
| 92344 | Hesperia | 17% | 1,176 (4.4×) | 51% | Hardest |
| 92368 | Oro Grande | 17% | 33 (8.2×) | – | Hardest |
| 92285 | Landers | 17% | 199 (3.6×) | 1% | Hardest |
| 92318 | Bryn Mawr | 16% | 6 (6.0×) | – | Hardest |
| 92256 | Morongo Valley | 15% | 266 (7.6×) | 5% | Hardest |
| 92310 | Fort Irwin | 14% | 1 | – | Harder |
| 92364 | Nipton | 14% | 1 (1.0×) | 4% | Harder |
| 92347 | Hinkley | 14% | 18 (9.0×) | – | Harder |
| 91709 | Chino Hills | 14% | 3,043 (5.2×) | 73% | Harder |
| 92373 | Redlands | 14% | 1,276 (5.1×) | 78% | Harder |
| 92267 | Parker Dam | 13% | 70 (70.0×) | – | Harder |
| 92407 | San Bernardino | 13% | 1,952 (3.8×) | 28% | Harder |
| 92309 | Baker | 13% | 5 | – | Harder |
| 92323 | Cima | 11% | – | – | Harder |
| 92332 | Essex | 11% | 1 | 1% | Harder |
| 92356 | Lucerne Valley | 11% | 188 (3.9×) | 1% | Harder |
| 92252 | Joshua Tree | 11% | 454 (10.1×) | – | Harder |
| 92354 | Loma Linda | 11% | 568 (15.8×) | 30% | Harder |
| 92398 | Yermo | 10% | 35 (7.0×) | – | Harder |
| 92365 | Newberry Springs | 10% | 74 (5.3×) | – | Harder |
| 92313 | Grand Terrace | 10% | 325 (13.0×) | 29% | Harder |
| 92324 | Colton | 10% | 1,104 (4.2×) | 48% | Harder |
| 92404 | San Bernardino | 9% | 1,075 (3.2×) | 19% | Harder |
| 92301 | Adelanto | 9% | 790 (8.1×) | – | Harder |
| 92401 | San Bernardino | 9% | 20 (1.5×) | – | Harder |
| 92410 | San Bernardino | 9% | 631 (2.0×) | – | Harder |
| 92327 | Daggett | 9% | 9 | – | Harder |
| 92346 | Highland | 8% | 1,246 (9.5×) | 24% | Harder |
| 92284 | Yucca Valley | 8% | 850 (8.3×) | – | Harder |
| 92405 | San Bernardino | 8% | 510 (2.2×) | – | Harder |
| 92411 | San Bernardino | 8% | 358 (1.7×) | – | Harder |
| 92408 | San Bernardino | 8% | 174 (2.4×) | 18% | Harder |
| 92316 | Bloomington | 7% | 415 (3.3×) | 8% | Harder |
| 91737 | Rancho Cucamonga | 7% | 465 (5.2×) | 57% | Harder |
| 92337 | Fontana | 7% | 592 (5.7×) | 27% | Harder |
| 92242 | Earp | 7% | 82 (11.7×) | – | Harder |
| 91708 | Chino | 6% | 188 (26.9×) | 7% | Harder |
| 92377 | Rialto | 6% | 337 (7.8×) | – | Harder |
| 92392 | Victorville | 6% | 1,046 (9.3×) | – | Harder |
| 92345 | Hesperia | 6% | 1,360 (7.4×) | 38% | Harder |
| 91739 | Rancho Cucamonga | 6% | 547 (7.0×) | 36% | Harder |
| 92277 | Twentynine Palms | 6% | 345 (6.3×) | – | Harder |
| 92307 | Apple Valley | 5% | 655 (11.5×) | – | Harder |
| 93562 | Trona | 5% | 20 (4.0×) | – | Harder |
| 92308 | Apple Valley | 5% | 721 (11.4×) | 10% | Harder |
| 92394 | Victorville | 5% | 458 (7.3×) | – | Harder |
| 92363 | Needles | 5% | 114 (9.5×) | – | Harder |
| 92395 | Victorville | 5% | 522 (5.2×) | – | Harder |
| 92335 | Fontana | 4% | 655 (2.4×) | – | Harder |
| 92336 | Fontana | 4% | 1,152 (6.9×) | 11% | Harder |
| 91784 | Upland | 4% | 381 (5.1×) | 25% | Harder |
| 92374 | Redlands | 4% | 464 (8.1×) | 17% | Harder |
| 92376 | Rialto | 4% | 637 (2.9×) | – | Harder |
| 92311 | Barstow | 3% | 262 (5.8×) | – | Harder |
| 91762 | Ontario | 3% | 370 (5.1×) | – | Harder |
| 91761 | Ontario | 3% | 408 (5.0×) | – | Harder |
| 91764 | Ontario | 3% | 264 (3.0×) | – | Harder |
| 92342 | Helendale | 3% | 80 (5.7×) | – | Harder |
| 91701 | Rancho Cucamonga | 3% | 336 (7.6×) | 15% | Harder |
| 91710 | Chino | 2% | 350 (4.0×) | – | Harder |
| 91763 | Montclair | 2% | 128 (2.6×) | – | Harder |
| 91786 | Upland | 2% | 163 (4.2×) | – | Harder |
| 91730 | Rancho Cucamonga | 1% | 151 (4.0×) | – | 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%.