California › San Diego County
San Diego County, CA
Home insurance outlook by ZIP code
| San Diego Co. | California | |
|---|---|---|
| FAIR Plan policies | 63,289 (5.2× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,982 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 18 of 99 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 33 of 99 | 291 of 1719 |
Cities: Carlsbad · Chula Vista · El Cajon · Escondido · La Mesa · Oceanside · Rancho Santa Fe · San Diego · San Marcos · Spring Valley · Vista
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 |
|---|---|---|---|---|---|
| 91931 | Guatay | 65% | 82 | 27% | Hardest |
| 92060 | Palomar Mountain | 62% | 131 | 36% | Hardest |
| 92086 | Warner Springs | 57% | 385 (1.5×) | 39% | Hardest |
| 91916 | Descanso | 55% | 430 (1.7×) | 49% | Hardest |
| 91948 | Mount Laguna | 55% | – | 19% | Hardest |
| 92036 | Julian | 51% | 1,096 (1.7×) | 35% | Hardest |
| 91962 | Pine Valley | 49% | 513 (1.6×) | 25% | Hardest |
| 92059 | Pala | 49% | 83 (0.6×) | 50% | Hardest |
| 91935 | Jamul | 48% | 1,635 (2.1×) | 82% | Hardest |
| 91901 | Alpine | 48% | 3,024 (2.5×) | 53% | Hardest |
| 92070 | Santa Ysabel | 44% | 138 (1.6×) | 48% | Hardest |
| 91963 | Potrero | 43% | 84 (1.8×) | 51% | Hardest |
| 91917 | Dulzura | 43% | 86 (1.5×) | 51% | Hardest |
| 91906 | Campo | 42% | 522 (3.3×) | 38% | Hardest |
| 92082 | Valley Center | 36% | 2,863 (6.4×) | 76% | Hardest |
| 91905 | Boulevard | 36% | 222 (2.4×) | 22% | Hardest |
| 92061 | Pauma Valley | 34% | 283 (5.3×) | 59% | Hardest |
| 92065 | Ramona | 31% | 3,880 (3.1×) | 71% | Hardest |
| 92003 | Bonsall | 26% | 469 (11.7×) | 63% | Hardest |
| 92067 | Rancho Santa Fe | 23% | 791 (4.5×) | 51% | Hardest |
| 92028 | Fallbrook | 22% | 3,882 (6.3×) | 65% | Hardest |
| 92066 | Ranchita | 22% | 44 (1.9×) | 64% | Hardest |
| 91980 | Tecate | 22% | 7 (2.3×) | 85% | Hardest |
| 92026 | Escondido | 19% | 2,806 (5.6×) | 74% | Hardest |
| 92091 | Rancho Santa Fe | 19% | 190 (5.9×) | 58% | Hardest |
| 91934 | Jacumba | 18% | 43 (3.3×) | – | Hardest |
| 91978 | Spring Valley | 16% | 419 (6.5×) | 27% | Hardest |
| 92019 | El Cajon | 16% | 1,851 (8.8×) | 59% | Hardest |
| 92131 | San Diego | 16% | 1,622 (5.0×) | 35% | Hardest |
| 92121 | San Diego | 16% | 146 (16.2×) | 41% | Hardest |
| 92029 | Escondido | 15% | 1,118 (3.5×) | 78% | Hardest |
| 92040 | Lakeside | 15% | 1,803 (8.1×) | 62% | Hardest |
| 92127 | San Diego | 13% | 1,753 (27.4×) | 71% | Harder |
| 92021 | El Cajon | 13% | 1,790 (8.2×) | 72% | Harder |
| 92078 | San Marcos | 13% | 1,697 (10.1×) | 65% | Harder |
| 91914 | Chula Vista | 12% | 533 (26.6×) | 53% | Harder |
| 92064 | Poway | 11% | 1,621 (7.9×) | 81% | Harder |
| 92124 | San Diego | 11% | 595 (14.5×) | 70% | Harder |
| 92027 | Escondido | 11% | 1,435 (8.0×) | 85% | Harder |
| 92129 | San Diego | 11% | 1,577 (7.7×) | 53% | Harder |
| 92084 | Vista | 10% | 1,181 (3.9×) | 63% | Harder |
| 92130 | San Diego | 10% | 1,465 (16.6×) | 58% | Harder |
| 92069 | San Marcos | 9% | 937 (6.2×) | 62% | Harder |
| 92108 | San Diego | 9% | 121 (40.3×) | 16% | Harder |
| 92071 | Santee | 9% | 1,296 (27.0×) | 61% | Harder |
| 92009 | Carlsbad | 9% | 1,079 (21.6×) | 42% | Harder |
| 92058 | Oceanside | 9% | 391 (30.1×) | 6% | Harder |
| 92119 | San Diego | 8% | 592 (19.7×) | 55% | Harder |
| 92128 | San Diego | 8% | 988 (18.0×) | 39% | Harder |
| 92025 | Escondido | 8% | 679 (7.8×) | 58% | Harder |
| 91915 | Chula Vista | 6% | 396 (66.0×) | 53% | Harder |
| 92057 | Oceanside | 6% | 908 (34.9×) | 4% | Harder |
| 92120 | San Diego | 6% | 535 (8.8×) | 20% | Harder |
| 92105 | San Diego | 5% | 527 (2.7×) | – | Harder |
| 91977 | Spring Valley | 5% | 646 (11.7×) | 29% | Harder |
| 92014 | Del Mar | 5% | 225 (14.1×) | 45% | Harder |
| 92126 | San Diego | 5% | 762 (12.3×) | 33% | Harder |
| 92010 | Carlsbad | 5% | 223 (22.3×) | 46% | Harder |
| 92113 | San Diego | 5% | 325 (1.2×) | – | Harder |
| 92004 | Borrego Springs | 5% | 94 (4.9×) | 9% | Harder |
| 92103 | San Diego | 4% | 269 (5.0×) | 22% | Harder |
| 92024 | Encinitas | 4% | 630 (9.0×) | 38% | Harder |
| 92075 | Solana Beach | 4% | 134 (19.1×) | 10% | Harder |
| 92116 | San Diego | 4% | 300 (3.8×) | 43% | Harder |
| 91902 | Bonita | 4% | 202 (10.6×) | 24% | Harder |
| 91913 | Chula Vista | 4% | 451 (37.6×) | 36% | Harder |
| 92037 | La Jolla | 4% | 416 (6.6×) | 32% | Harder |
| 92154 | San Diego | 4% | 544 (17.0×) | 40% | Harder |
| 92101 | San Diego | 4% | 74 (4.6×) | 6% | Harder |
| 92102 | San Diego | 4% | 250 (1.4×) | – | Harder |
| 92011 | Carlsbad | 4% | 235 (16.8×) | 23% | Harder |
| 92122 | San Diego | 3% | 191 (15.9×) | 21% | Harder |
| 92115 | San Diego | 3% | 341 (8.7×) | 2% | Harder |
| 92054 | Oceanside | 3% | 254 (21.2×) | – | Harder |
| 92111 | San Diego | 3% | 268 (11.2×) | 21% | Harder |
| 92081 | Vista | 3% | 192 (12.0×) | 23% | Harder |
| 92173 | San Ysidro | 3% | 73 (4.3×) | 8% | Harder |
| 92110 | San Diego | 3% | 118 (5.4×) | – | Harder |
| 92020 | El Cajon | 3% | 259 (21.6×) | 1% | Harder |
| 92056 | Oceanside | 2% | 373 (26.6×) | 5% | Harder |
| 92123 | San Diego | 2% | 123 (12.3×) | 16% | Harder |
| 92117 | San Diego | 2% | 331 (11.4×) | 23% | Harder |
| 91941 | La Mesa | 2% | 207 (12.9×) | 7% | Harder |
| 92008 | Carlsbad | 2% | 147 (7.7×) | 17% | Harder |
| 91910 | Chula Vista | 2% | 289 (12.6×) | 1% | Harder |
| 92007 | Cardiff by the Sea | 2% | 68 | 27% | Harder |
| 92104 | San Diego | 2% | 166 (2.5×) | – | Harder |
| 92114 | San Diego | 2% | 288 (2.8×) | – | Harder |
| 91911 | Chula Vista | 2% | 250 (15.6×) | 16% | Harder |
| 91950 | National City | 2% | 134 (5.2×) | – | Harder |
| 92083 | Vista | 2% | 110 (7.9×) | – | Harder |
| 91942 | La Mesa | 2% | 107 (26.8×) | – | Harder |
| 91945 | Lemon Grove | 2% | 99 (6.2×) | – | Harder |
| 92139 | San Diego | 1% | 82 (4.1×) | – | Easy |
| 92107 | San Diego | 1% | 81 (2.0×) | – | Easy |
| 92109 | San Diego | 1% | 97 (3.0×) | 1% | Easy |
| 91932 | Imperial Beach | 1% | 47 (6.7×) | 3% | Easy |
| 92106 | San Diego | 1% | 44 (4.4×) | – | Easy |
| 92118 | Coronado | 0% | 26 (13.0×) | – | 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%.