California › Santa Clara County
Santa Clara County, CA
Home insurance outlook by ZIP code
| Santa Clara Co. | California | |
|---|---|---|
| FAIR Plan policies | 6,388 (5.3× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $4,165 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 17 of 59 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 59 | 291 of 1719 |
Cities: Los Altos · Los Gatos · Mountain View · Palo Alto · San Jose · Santa Clara · Sunnyvale
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 |
|---|---|---|---|---|---|
| 95140 | Mount Hamilton | 22% | 28 (1.6×) | 85% | Hardest |
| 95030 | Los Gatos | 15% | 686 (3.5×) | 47% | Hardest |
| 95013 | Coyote | 13% | 2 | – | Harder |
| 94304 | Palo Alto | 9% | 20 (4.0×) | – | Harder |
| 95141 | San Jose | 7% | 1 | – | Harder |
| 95070 | Saratoga | 7% | 714 (6.7×) | 56% | Harder |
| 94022 | Los Altos | 6% | 383 (7.8×) | 34% | Harder |
| 95046 | San Martin | 5% | 78 (19.5×) | 8% | Harder |
| 95037 | Morgan Hill | 5% | 643 (4.6×) | 61% | Harder |
| 94305 | Stanford | 5% | 31 (31.0×) | – | Harder |
| 95032 | Los Gatos | 4% | 290 (5.5×) | 14% | Harder |
| 94024 | Los Altos | 4% | 277 (6.2×) | 17% | Harder |
| 95002 | Alviso | 3% | 11 (1.6×) | – | Harder |
| 95020 | Gilroy | 3% | 417 (9.3×) | 25% | Harder |
| 95120 | San Jose | 3% | 335 (16.0×) | 17% | Harder |
| 95134 | San Jose | 3% | 26 | – | Harder |
| 95135 | San Jose | 2% | 99 (33.0×) | 86% | Harder |
| 95110 | San Jose | 2% | 45 (1.3×) | – | Harder |
| 95111 | San Jose | 2% | 183 (9.2×) | – | Harder |
| 95127 | San Jose | 2% | 232 (4.5×) | – | Harder |
| 95014 | Cupertino | 2% | 227 (7.8×) | 45% | Harder |
| 95112 | San Jose | 2% | 123 (1.5×) | – | Harder |
| 95138 | San Jose | 2% | 71 (17.8×) | 23% | Harder |
| 94301 | Palo Alto | 1% | 50 (5.6×) | – | Easy |
| 95148 | San Jose | 1% | 135 (16.9×) | – | Easy |
| 95116 | San Jose | 1% | 73 (1.0×) | – | Easy |
| 95122 | San Jose | 1% | 85 (2.8×) | – | Easy |
| 95126 | San Jose | 1% | 46 (1.5×) | – | Easy |
| 94089 | Sunnyvale | 1% | 41 | – | Easy |
| 95119 | San Jose | 1% | 26 (26.0×) | – | Easy |
| 95035 | Milpitas | 1% | 109 (27.2×) | 13% | Easy |
| 95121 | San Jose | 1% | 63 (5.7×) | – | Easy |
| 95132 | San Jose | 1% | 80 (8.9×) | 45% | Easy |
| 95136 | San Jose | 1% | 64 | – | Easy |
| 94303 | Palo Alto | 1% | 63 (3.0×) | – | Easy |
| 94306 | Palo Alto | 1% | 47 (23.5×) | – | Easy |
| 95123 | San Jose | 1% | 87 (14.5×) | – | Easy |
| 95139 | San Jose | 1% | 10 (10.0×) | – | Easy |
| 94043 | Mountain View | 0% | 21 (21.0×) | – | Easy |
| 94085 | Sunnyvale | 0% | 14 | – | Easy |
| 95117 | San Jose | 0% | 19 (9.5×) | – | Easy |
| 95128 | San Jose | 0% | 31 (4.4×) | – | Easy |
| 95131 | San Jose | 0% | 27 (27.0×) | – | Easy |
| 95133 | San Jose | 0% | 24 (6.0×) | – | Easy |
| 94040 | Mountain View | 0% | 23 (7.7×) | – | Easy |
| 94041 | Mountain View | 0% | 11 | – | Easy |
| 94086 | Sunnyvale | 0% | 24 (6.0×) | – | Easy |
| 95050 | Santa Clara | 0% | 28 (7.0×) | – | Easy |
| 95118 | San Jose | 0% | 33 (1.2×) | – | Easy |
| 95124 | San Jose | 0% | 51 (12.8×) | – | Easy |
| 95125 | San Jose | 0% | 53 (3.8×) | – | Easy |
| 95129 | San Jose | 0% | 31 (10.3×) | – | Easy |
| 94087 | Sunnyvale | 0% | 33 (33.0×) | – | Easy |
| 95008 | Campbell | 0% | 29 (14.5×) | – | Easy |
| 95051 | Santa Clara | 0% | 27 (13.5×) | – | Easy |
| 95054 | Santa Clara | 0% | 6 | – | Easy |
| 95130 | San Jose | 0% | 3 | – | Easy |
| 95053 | Santa Clara - [Unique] | 0% | – | – | Easy |
| 95113 | San Jose | 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%.