California › Trinity County
Trinity County, CA
Home insurance outlook by ZIP code
| Trinity Co. | California | |
|---|---|---|
| FAIR Plan policies | 1,373 (1.6× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,434 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 0 of 12 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 1 of 12 | 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 |
|---|---|---|---|---|---|
| 95563 | Salyer | 44% | 148 (1.3×) | 14% | Hardest |
| 95527 | Burnt Ranch | 38% | 69 (1.3×) | 6% | Hardest |
| 95552 | Mad River | 36% | 59 (1.4×) | 23% | Hardest |
| 96024 | Douglas City | 35% | 135 (1.3×) | 80% | Hardest |
| 95595 | Zenia | 34% | 10 (0.6×) | 29% | Hardest |
| 96010 | Big Bar | 34% | 23 (1.4×) | 2% | Hardest |
| 96091 | Trinity Center | 34% | 250 (1.5×) | 24% | Hardest |
| 96052 | Lewiston | 30% | 199 (1.5×) | 47% | Hardest |
| 96048 | Junction City | 27% | 71 (1.7×) | 12% | Hardest |
| 96041 | Hayfork | 18% | 132 (1.5×) | 22% | Hardest |
| 96093 | Weaverville | 18% | 266 (4.5×) | 41% | Hardest |
| 96046 | Hyampom | 16% | 11 (0.4×) | 14% | 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%.