California › Sierra County
Sierra County, CA
Home insurance outlook by ZIP code
| Sierra Co. | California | |
|---|---|---|
| FAIR Plan policies | 515 (2.0× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,393 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 1 of 7 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 7 | 291 of 1719 |
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 |
|---|---|---|---|---|---|
| 95936 | Downieville | 50% | 95 (1.4×) | 24% | Hardest |
| 95944 | Goodyears Bar | 46% | 10 (1.4×) | 20% | Hardest |
| 96125 | Sierra City | 40% | 166 (1.7×) | 28% | Hardest |
| 96124 | Calpine | 36% | 86 (1.9×) | 33% | Hardest |
| 95910 | Alleghany | 35% | 9 (0.7×) | 28% | Hardest |
| 96126 | Sierraville | 30% | 48 (4.8×) | 32% | Hardest |
| 96118 | Loyalton | 16% | 101 (5.9×) | 9% | Hardest |
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%.