California › Tuolumne County
Tuolumne County, CA
Home insurance outlook by ZIP code
| Tuolumne Co. | California | |
|---|---|---|
| FAIR Plan policies | 13,755 (1.6× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,205 | $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 | 3 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 |
|---|---|---|---|---|---|
| 95335 | Long Barn | 64% | 917 (1.3×) | 26% | Hardest |
| 95346 | Mi Wuk Village | 60% | 773 (1.2×) | 77% | Hardest |
| 95383 | Twain Harte | 58% | 2,175 (1.3×) | 34% | Hardest |
| 95321 | Groveland | 57% | 2,103 (1.5×) | 8% | Hardest |
| 95310 | Columbia | 48% | 404 (1.6×) | 30% | Hardest |
| 95305 | Big Oak Flat | 46% | 29 | 54% | Hardest |
| 95372 | Soulsbyville | 46% | 414 (1.7×) | 34% | Hardest |
| 95379 | Tuolumne | 46% | 782 (2.0×) | 38% | Hardest |
| 95375 | Strawberry | 46% | – | 7% | Hardest |
| 95370 | Sonora | 44% | 5,150 (1.7×) | 54% | Hardest |
| 95327 | Jamestown | 35% | 832 (2.9×) | 21% | Hardest |
| 95364 | Pinecrest | 33% | 176 (1.8×) | – | 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%.