California › Ventura County
Ventura County, CA
Home insurance outlook by ZIP code
| Ventura Co. | California | |
|---|---|---|
| FAIR Plan policies | 16,348 (6.5× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,495 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 7 of 24 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 14 of 24 | 291 of 1719 |
Cities: Camarillo · Oxnard · Simi Valley · Thousand Oaks · Ventura
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 |
|---|---|---|---|---|---|
| 91361 | Westlake Village | 23% | 1,600 (4.4×) | 80% | Hardest |
| 93040 | Piru | 22% | 101 (7.8×) | 12% | Hardest |
| 93023 | Ojai | 21% | 1,698 (4.8×) | 22% | Hardest |
| 91377 | Oak Park | 20% | 868 (11.4×) | 76% | Hardest |
| 91362 | Thousand Oaks | 16% | 1,695 (13.0×) | 77% | Hardest |
| 93066 | Somis | 16% | 134 (2.5×) | 62% | Hardest |
| 93022 | Oak View | 15% | 340 (11.0×) | 92% | Hardest |
| 93065 | Simi Valley | 10% | 1,916 (10.2×) | 72% | Harder |
| 91320 | Newbury Park | 9% | 1,256 (11.6×) | 64% | Harder |
| 93021 | Moorpark | 9% | 931 (6.6×) | 88% | Harder |
| 93063 | Simi Valley | 9% | 1,389 (4.9×) | 82% | Harder |
| 93001 | Ventura | 9% | 765 (3.9×) | 76% | Harder |
| 93015 | Fillmore | 8% | 360 (4.6×) | 77% | Harder |
| 93060 | Santa Paula | 8% | 570 (3.5×) | 83% | Harder |
| 93012 | Camarillo | 7% | 692 (7.4×) | 64% | Harder |
| 91360 | Thousand Oaks | 6% | 742 (11.1×) | 58% | Harder |
| 93003 | Ventura | 4% | 434 (10.6×) | 47% | Harder |
| 93010 | Camarillo | 2% | 280 (9.3×) | 10% | Harder |
| 93041 | Port Hueneme | 2% | 58 (14.5×) | – | Harder |
| 93033 | Oxnard | 2% | 179 (6.6×) | 12% | Harder |
| 93004 | Ventura | 1% | 114 (12.7×) | 4% | Easy |
| 93035 | Oxnard | 1% | 84 (5.6×) | – | Easy |
| 93036 | Oxnard | 1% | 72 (3.8×) | 20% | Easy |
| 93030 | Oxnard | 1% | 70 (5.8×) | – | 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%.