California › Santa Cruz County
Santa Cruz County, CA
Home insurance outlook by ZIP code
| Santa Cruz Co. | California | |
|---|---|---|
| FAIR Plan policies | 12,741 (6.4× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $5,112 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 17 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 2 of 17 | 291 of 1719 |
Cities: Los Gatos · Santa Cruz
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 |
|---|---|---|---|---|---|
| 95007 | Brookdale | 46% | 162 | 61% | Hardest |
| 95033 | Los Gatos | 41% | 1,992 (4.7×) | 54% | Hardest |
| 95041 | Mount Hermon | 38% | 93 | – | Hardest |
| 95018 | Felton | 36% | 1,405 (5.3×) | – | Hardest |
| 95006 | Boulder Creek | 36% | 1,567 (5.1×) | 32% | Hardest |
| 95005 | Ben Lomond | 32% | 957 (6.5×) | 2% | Hardest |
| 95066 | Scotts Valley | 25% | 1,478 (12.5×) | – | Hardest |
| 95065 | Santa Cruz | 20% | 558 (8.0×) | – | Hardest |
| 95073 | Soquel | 19% | 741 (5.7×) | – | Hardest |
| 95017 | Davenport | 16% | 28 (2.8×) | 10% | Hardest |
| 95003 | Aptos | 12% | 1,227 (6.4×) | 2% | Harder |
| 95060 | Santa Cruz | 11% | 1,411 (8.8×) | 1% | Harder |
| 95064 | Santa Cruz | 8% | 10 (10.0×) | – | Harder |
| 95076 | Watsonville | 6% | 998 (6.3×) | 5% | Harder |
| 95019 | Freedom | 1% | 12 | 1% | Easy |
| 95010 | Capitola | 1% | 24 (24.0×) | – | Easy |
| 95062 | Santa Cruz | 1% | 78 (5.6×) | – | 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%.