California › Sutter County
Sutter County, CA
Home insurance outlook by ZIP code
| Sutter Co. | California | |
|---|---|---|
| FAIR Plan policies | 106 (5.9× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $1,281 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 5 of 8 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 0 of 8 | 291 of 1719 |
Cities: Yuba City
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 |
|---|---|---|---|---|---|
| 95674 | Rio Oso | 2% | 3 (3.0×) | – | Harder |
| 95668 | Pleasant Grove | 1% | 2 | – | Easy |
| 95957 | Meridian | 1% | 2 (1.0×) | – | Easy |
| 95659 | Nicolaus | 1% | 1 (0.5×) | – | Easy |
| 95982 | Sutter | 1% | 7 | 28% | Easy |
| 95953 | Live Oak | 0% | 13 (1.6×) | 15% | Easy |
| 95991 | Yuba City | 0% | 44 (11.0×) | – | Easy |
| 95993 | Yuba City | 0% | 35 (35.0×) | – | 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%.