California › Santa Barbara County
Santa Barbara County, CA
Home insurance outlook by ZIP code
| Santa Barbara Co. | California | |
|---|---|---|
| FAIR Plan policies | 6,867 (3.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $6,155 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 3 of 22 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 3 of 22 | 291 of 1719 |
Cities: Santa Barbara · Santa Maria
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 |
|---|---|---|---|---|---|
| 93108 | Santa Barbara | 34% | 1,579 (3.0×) | 52% | Hardest |
| 93105 | Santa Barbara | 20% | 1,390 (2.3×) | 27% | Hardest |
| 93067 | Summerland | 19% | 77 (11.0×) | 3% | Hardest |
| 93441 | Los Olivos | 19% | 64 (1.5×) | 38% | Hardest |
| 93103 | Santa Barbara | 13% | 599 (4.5×) | 38% | Harder |
| 93254 | New Cuyama | 13% | 27 (2.7×) | 27% | Harder |
| 93460 | Santa Ynez | 11% | 199 (2.8×) | 30% | Harder |
| 93440 | Los Alamos | 10% | 43 (3.6×) | 22% | Harder |
| 93110 | Santa Barbara | 9% | 375 (15.6×) | 22% | Harder |
| 93013 | Carpinteria | 8% | 335 (3.4×) | 38% | Harder |
| 93111 | Santa Barbara | 7% | 377 (7.5×) | 36% | Harder |
| 93429 | Casmalia | 7% | 2 (2.0×) | 1% | Harder |
| 93117 | Goleta | 6% | 404 (2.9×) | 69% | Harder |
| 93463 | Solvang | 6% | 144 (9.6×) | 48% | Harder |
| 93427 | Buellton | 5% | 86 (7.2×) | 73% | Harder |
| 93101 | Santa Barbara | 4% | 208 (9.0×) | – | Harder |
| 93436 | Lompoc | 3% | 387 (4.9×) | 39% | Harder |
| 93109 | Santa Barbara | 3% | 85 (7.7×) | – | Harder |
| 93455 | Santa Maria | 2% | 258 (28.7×) | 7% | Harder |
| 93454 | Santa Maria | 2% | 131 (2.7×) | 46% | Harder |
| 93434 | Guadalupe | 2% | 27 (4.5×) | 9% | Harder |
| 93458 | Santa Maria | 1% | 70 (35.0×) | – | 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%.