California › Stanislaus County
Stanislaus County, CA
Home insurance outlook by ZIP code
| Stanislaus Co. | California | |
|---|---|---|
| FAIR Plan policies | 1,044 (4.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $2,249 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 6 of 24 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 24 | 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 |
|---|---|---|---|---|---|
| 95329 | La Grange | 30% | 391 (2.8×) | 23% | Hardest |
| 95313 | Crows Landing | 3% | 5 (2.5×) | – | Harder |
| 95323 | Hickman | 2% | 3 (3.0×) | – | Harder |
| 95363 | Patterson | 1% | 64 (64.0×) | 69% | Easy |
| 95351 | Modesto | 1% | 72 (10.3×) | – | Easy |
| 95361 | Oakdale | 1% | 78 (4.6×) | – | Easy |
| 95328 | Keyes | 1% | 7 | – | Easy |
| 95358 | Modesto | 1% | 45 (4.5×) | – | Easy |
| 95307 | Ceres | 1% | 62 (7.8×) | – | Easy |
| 95316 | Denair | 1% | 10 | – | Easy |
| 95319 | Empire | 1% | 2 | – | Easy |
| 95357 | Modesto | 1% | 19 (3.8×) | – | Easy |
| 95354 | Modesto | 0% | 36 (4.5×) | – | Easy |
| 95380 | Turlock | 0% | 45 (15.0×) | – | Easy |
| 95326 | Hughson | 0% | 9 (4.5×) | – | Easy |
| 95350 | Modesto | 0% | 50 (5.6×) | – | Easy |
| 95356 | Modesto | 0% | 32 (16.0×) | – | Easy |
| 95360 | Newman | 0% | 12 (6.0×) | – | Easy |
| 95368 | Salida | 0% | 16 | – | Easy |
| 95355 | Modesto | 0% | 44 (8.8×) | – | Easy |
| 95367 | Riverbank | 0% | 22 (22.0×) | – | Easy |
| 95386 | Waterford | 0% | 6 (2.0×) | – | Easy |
| 95382 | Turlock | 0% | 14 (3.5×) | – | Easy |
| 95387 | Westley | 0% | – | 2% | 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%.