California › San Joaquin County
San Joaquin County, CA
Home insurance outlook by ZIP code
| San Joaquin Co. | California | |
|---|---|---|
| FAIR Plan policies | 1,174 (2.9× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,062 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 15 of 31 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 31 | 291 of 1719 |
Cities: Lodi · Manteca · Stockton · Tracy
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 |
|---|---|---|---|---|---|
| 95230 | Farmington | 10% | 9 (2.2×) | 5% | Harder |
| 95202 | Stockton | 5% | 27 (2.5×) | – | Harder |
| 95385 | Vernalis | 4% | 1 | – | Harder |
| 95227 | Clements | 4% | 6 | – | Harder |
| 95203 | Stockton | 2% | 78 (1.5×) | – | Harder |
| 95205 | Stockton | 2% | 165 (1.5×) | – | Harder |
| 95215 | Stockton | 2% | 94 (2.7×) | – | Harder |
| 95231 | French Camp | 1% | 8 (8.0×) | – | Easy |
| 95236 | Linden | 1% | 11 | – | Easy |
| 95686 | Thornton | 1% | 2 | – | Easy |
| 95206 | Stockton | 1% | 146 (1.6×) | – | Easy |
| 95204 | Stockton | 1% | 80 (3.1×) | – | Easy |
| 95220 | Acampo | 1% | 15 (15.0×) | – | Easy |
| 95237 | Lockeford | 1% | 8 | – | Easy |
| 95304 | Tracy | 1% | 27 (13.5×) | 22% | Easy |
| 95207 | Stockton | 1% | 64 (7.1×) | – | Easy |
| 95210 | Stockton | 1% | 48 (6.9×) | – | Easy |
| 95240 | Lodi | 0% | 47 (11.8×) | – | Easy |
| 95320 | Escalon | 0% | 16 (5.3×) | – | Easy |
| 95212 | Stockton | 0% | 31 (7.8×) | – | Easy |
| 95336 | Manteca | 0% | 48 (12.0×) | – | Easy |
| 95377 | Tracy | 0% | 45 (4.1×) | 15% | Easy |
| 95209 | Stockton | 0% | 38 (4.2×) | – | Easy |
| 95242 | Lodi | 0% | 23 (11.5×) | – | Easy |
| 95337 | Manteca | 0% | 35 (3.2×) | – | Easy |
| 95376 | Tracy | 0% | 45 (15.0×) | – | Easy |
| 95219 | Stockton | 0% | 17 (2.8×) | – | Easy |
| 95258 | Woodbridge | 0% | 3 (3.0×) | – | Easy |
| 95330 | Lathrop | 0% | 15 | – | Easy |
| 95391 | Tracy | 0% | 15 | – | Easy |
| 95366 | Ripon | 0% | 7 (3.5×) | – | 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%.