California › San Francisco County
San Francisco County, CA
Home insurance outlook by ZIP code
| San Francisco Co. | California | |
|---|---|---|
| FAIR Plan policies | 2,055 (6.2× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,187 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 26 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 26 | 291 of 1719 |
Cities: San Francisco
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 |
|---|---|---|---|---|---|
| 94158 | San Francisco | 7% | 7 (2.3×) | – | Harder |
| 94111 | San Francisco | 5% | 3 (3.0×) | – | Harder |
| 94117 | San Francisco | 4% | 121 (5.0×) | – | Harder |
| 94133 | San Francisco | 3% | 54 (3.9×) | – | Harder |
| 94103 | San Francisco | 3% | 32 (3.6×) | – | Harder |
| 94102 | San Francisco | 3% | 18 (2.6×) | – | Harder |
| 94105 | San Francisco | 3% | 8 (8.0×) | – | Harder |
| 94109 | San Francisco | 3% | 43 (6.1×) | – | Harder |
| 94110 | San Francisco | 2% | 226 (3.7×) | – | Harder |
| 94115 | San Francisco | 2% | 59 (5.4×) | – | Harder |
| 94123 | San Francisco | 2% | 65 (5.9×) | – | Harder |
| 94114 | San Francisco | 2% | 125 (9.6×) | – | Harder |
| 94108 | San Francisco | 2% | 5 (5.0×) | – | Harder |
| 94112 | San Francisco | 2% | 300 (9.4×) | – | Harder |
| 94118 | San Francisco | 2% | 102 (6.0×) | – | Harder |
| 94134 | San Francisco | 2% | 138 (8.1×) | – | Harder |
| 94107 | San Francisco | 2% | 40 (5.0×) | – | Harder |
| 94131 | San Francisco | 2% | 108 (7.7×) | – | Harder |
| 94124 | San Francisco | 1% | 83 (2.6×) | – | Easy |
| 94127 | San Francisco | 1% | 85 (21.2×) | – | Easy |
| 94121 | San Francisco | 1% | 114 (10.4×) | – | Easy |
| 94122 | San Francisco | 1% | 152 (8.9×) | – | Easy |
| 94132 | San Francisco | 1% | 53 (5.9×) | – | Easy |
| 94116 | San Francisco | 1% | 114 (11.4×) | – | Easy |
| 94104 | San Francisco | 0% | – | – | Easy |
| 94129 | San Francisco | 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%.