California › San Mateo County
San Mateo County, CA
Home insurance outlook by ZIP code
| San Mateo Co. | California | |
|---|---|---|
| FAIR Plan policies | 3,884 (6.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,304 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 6 of 28 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 2 of 28 | 291 of 1719 |
Cities: Daly City · Redwood City · San Mateo
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 |
|---|---|---|---|---|---|
| 94021 | Loma Mar | 29% | 22 (1.4×) | – | Hardest |
| 94060 | Pescadero | 29% | 123 (2.1×) | 17% | Hardest |
| 94074 | San Gregorio | 24% | 17 (2.1×) | 3% | Hardest |
| 94020 | La Honda | 21% | 124 (2.1×) | 0% | Hardest |
| 94028 | Portola Valley | 14% | 370 (6.5×) | 7% | Harder |
| 94062 | Redwood City | 6% | 543 (4.8×) | 23% | Harder |
| 94037 | Montara | 5% | 44 (4.9×) | 61% | Harder |
| 94005 | Brisbane | 4% | 52 (10.4×) | – | Harder |
| 94019 | Half Moon Bay | 4% | 189 (3.8×) | 81% | Harder |
| 94044 | Pacifica | 4% | 406 (5.6×) | 5% | Harder |
| 94010 | Burlingame | 3% | 409 (13.2×) | 21% | Harder |
| 94027 | Atherton | 3% | 70 (7.8×) | – | Harder |
| 94038 | Moss Beach | 3% | 26 (26.0×) | 20% | Harder |
| 94014 | Daly City | 2% | 211 (17.6×) | – | Harder |
| 94002 | Belmont | 2% | 141 (15.7×) | 2% | Harder |
| 94030 | Millbrae | 2% | 111 (22.2×) | 19% | Harder |
| 94066 | San Bruno | 2% | 200 (50.0×) | 11% | Harder |
| 94070 | San Carlos | 2% | 174 (10.9×) | 1% | Harder |
| 94402 | San Mateo | 2% | 115 (14.4×) | – | Harder |
| 94025 | Menlo Park | 1% | 135 (15.0×) | – | Easy |
| 94080 | South San Francisco | 1% | 131 (65.5×) | – | Easy |
| 94401 | San Mateo | 1% | 41 (6.8×) | – | Easy |
| 94061 | Redwood City | 1% | 69 (69.0×) | – | Easy |
| 94063 | Redwood City | 1% | 31 (3.9×) | – | Easy |
| 94403 | San Mateo | 1% | 54 | – | Easy |
| 94015 | Daly City | 0% | 51 (5.7×) | – | Easy |
| 94065 | Redwood City | 0% | 7 | – | Easy |
| 94404 | San Mateo | 0% | 18 (18.0×) | – | 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%.