California › Sonoma County
Sonoma County, CA
Home insurance outlook by ZIP code
| Sonoma Co. | California | |
|---|---|---|
| FAIR Plan policies | 8,495 (6.7× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $5,183 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 11 of 35 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 4 of 35 | 291 of 1719 |
Cities: Petaluma · Santa Rosa
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 |
|---|---|---|---|---|---|
| 95446 | Guerneville | 29% | 1,067 (8.3×) | 18% | Hardest |
| 95450 | Jenner | 27% | 94 (1.9×) | 1% | Hardest |
| 95421 | Cazadero | 26% | 254 (3.4×) | 30% | Hardest |
| 95441 | Geyserville | 24% | 150 (3.5×) | 78% | Hardest |
| 95462 | Monte Rio | 24% | 258 (5.5×) | 6% | Hardest |
| 95442 | Glen Ellen | 23% | 368 (9.7×) | 58% | Hardest |
| 95497 | The Sea Ranch | 20% | 330 (7.0×) | 6% | Hardest |
| 95452 | Kenwood | 19% | 149 (29.8×) | 71% | Hardest |
| 94922 | Bodega | 19% | 18 | – | Hardest |
| 95465 | Occidental | 16% | 115 (6.8×) | 2% | Hardest |
| 95412 | Annapolis | 16% | 14 (0.9×) | 20% | Hardest |
| 95471 | Rio Nido | 16% | 22 | 4% | Hardest |
| 95436 | Forestville | 14% | 378 (6.0×) | 4% | Harder |
| 95425 | Cloverdale | 11% | 415 (5.4×) | 86% | Harder |
| 95448 | Healdsburg | 10% | 624 (2.9×) | 44% | Harder |
| 95430 | Duncans Mills | 10% | – | – | Harder |
| 94923 | Bodega Bay | 9% | 116 (7.2×) | – | Harder |
| 95404 | Santa Rosa | 9% | 1,062 (6.4×) | 27% | Harder |
| 95409 | Santa Rosa | 8% | 722 (28.9×) | 37% | Harder |
| 95486 | Villa Grande | 7% | – | – | Harder |
| 95476 | Sonoma | 6% | 693 (13.6×) | 25% | Harder |
| 94951 | Penngrove | 5% | 74 (9.2×) | 1% | Harder |
| 95472 | Sebastopol | 4% | 437 (5.3×) | – | Harder |
| 94972 | Valley Ford | 4% | 2 | – | Harder |
| 95439 | Fulton | 3% | 5 | – | Harder |
| 94952 | Petaluma | 3% | 260 (17.3×) | 1% | Harder |
| 95403 | Santa Rosa | 2% | 269 (7.1×) | 1% | Harder |
| 95405 | Santa Rosa | 2% | 148 (37.0×) | 5% | Harder |
| 95444 | Graton | 2% | 6 (6.0×) | – | Harder |
| 94931 | Cotati | 2% | 35 | – | Harder |
| 95492 | Windsor | 1% | 116 (10.5×) | – | Easy |
| 95407 | Santa Rosa | 1% | 86 (3.9×) | – | Easy |
| 94954 | Petaluma | 1% | 88 (29.3×) | 2% | Easy |
| 95401 | Santa Rosa | 1% | 60 (10.0×) | – | Easy |
| 94928 | Rohnert Park | 1% | 60 (60.0×) | – | 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%.