California › Shasta County
Shasta County, CA
Home insurance outlook by ZIP code
| Shasta Co. | California | |
|---|---|---|
| FAIR Plan policies | 7,676 (3.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,201 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 2 of 27 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 14 of 27 | 291 of 1719 |
Cities: Redding
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 |
|---|---|---|---|---|---|
| 96065 | Montgomery Creek | 39% | 93 (1.6×) | 66% | Hardest |
| 96071 | Old Station | 38% | 78 (2.1×) | 36% | Hardest |
| 96076 | Platina | 36% | 13 (1.0×) | 44% | Hardest |
| 96051 | Lakehead | 35% | 277 (2.0×) | 32% | Hardest |
| 96088 | Shingletown | 34% | 909 (2.4×) | 86% | Hardest |
| 96096 | Whitmore | 34% | 107 (1.6×) | 80% | Hardest |
| 96047 | Igo | 32% | 102 (2.8×) | 69% | Hardest |
| 96017 | Castella | 30% | 40 (1.6×) | 56% | Hardest |
| 96069 | Oak Run | 29% | 102 (1.9×) | 63% | Hardest |
| 96008 | Bella Vista | 28% | 153 (2.7×) | 71% | Hardest |
| 96087 | Shasta | 28% | 80 (8.0×) | 26% | Hardest |
| 96033 | French Gulch | 27% | 45 (4.5×) | 38% | Hardest |
| 96016 | Cassel | 26% | 65 (4.6×) | 33% | Hardest |
| 96011 | Big Bend | 26% | – | 56% | Hardest |
| 96040 | Hat Creek | 22% | 27 (5.4×) | 26% | Hardest |
| 96013 | Burney | 18% | 287 (4.7×) | 58% | Hardest |
| 96062 | Millville | 16% | 66 (3.0×) | 40% | Hardest |
| 96028 | Fall River Mills | 14% | 87 (7.9×) | 41% | Harder |
| 96022 | Cottonwood | 14% | 816 (4.2×) | 57% | Harder |
| 96084 | Round Mountain | 12% | – | 92% | Harder |
| 96056 | McArthur | 12% | 57 (4.1×) | 32% | Harder |
| 96019 | Shasta Lake | 12% | 458 (5.1×) | 55% | Harder |
| 96003 | Redding | 11% | 1,628 (4.0×) | 52% | Harder |
| 96007 | Anderson | 11% | 845 (7.3×) | 46% | Harder |
| 96073 | Palo Cedro | 9% | 151 (4.0×) | 18% | Harder |
| 96001 | Redding | 8% | 893 (6.5×) | 52% | Harder |
| 96002 | Redding | 3% | 297 (14.8×) | – | Harder |
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%.