California › San Luis Obispo County
San Luis Obispo County, CA
Home insurance outlook by ZIP code
| San Luis Obispo Co. | California | |
|---|---|---|
| FAIR Plan policies | 4,858 (6.0× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,148 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 3 of 21 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 3 of 21 | 291 of 1719 |
Cities: San Luis Obispo
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 |
|---|---|---|---|---|---|
| 93452 | San Simeon | 26% | 22 (3.1×) | 32% | Hardest |
| 93424 | Avila Beach | 25% | 174 | 46% | Hardest |
| 93453 | Santa Margarita | 19% | 188 (1.7×) | 22% | Hardest |
| 93432 | Creston | 18% | 82 (1.6×) | 43% | Hardest |
| 93435 | Harmony | 17% | 2 (2.0×) | – | Hardest |
| 93428 | Cambria | 9% | 363 (4.7×) | 12% | Harder |
| 93422 | Atascadero | 8% | 796 (7.4×) | 37% | Harder |
| 93451 | San Miguel | 7% | 96 (4.4×) | 59% | Harder |
| 93405 | San Luis Obispo | 7% | 345 (6.1×) | 41% | Harder |
| 93449 | Pismo Beach | 6% | 278 (30.9×) | 54% | Harder |
| 93465 | Templeton | 6% | 188 (9.4×) | 22% | Harder |
| 93446 | Paso Robles | 5% | 824 (6.5×) | 42% | Harder |
| 93420 | Arroyo Grande | 5% | 541 (5.9×) | 44% | Harder |
| 93401 | San Luis Obispo | 5% | 404 (6.4×) | 30% | Harder |
| 93430 | Cayucos | 3% | 62 (4.1×) | 2% | Harder |
| 93402 | Los Osos | 3% | 163 (7.4×) | 70% | Harder |
| 93461 | Shandon | 2% | 9 (3.0×) | 10% | Harder |
| 93442 | Morro Bay | 2% | 110 (18.3×) | 8% | Harder |
| 93444 | Nipomo | 2% | 158 (6.9×) | 20% | Harder |
| 93433 | Grover Beach | 1% | 35 (35.0×) | – | Easy |
| 93445 | Oceano | 1% | 18 | 33% | 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%.