California › Yolo County
Yolo County, CA
Home insurance outlook by ZIP code
| Yolo Co. | California | |
|---|---|---|
| FAIR Plan policies | 238 (3.8× since 2021) | 665,607 (2.8×) |
| FAIR Plan premium, average (2026) | $3,493 | $3,001 |
| ZIP codes 10%+ in a FEMA flood zone | 13 of 18 | 393 of 1719 |
| ZIP codes mostly in a Very High fire zone | 3 of 18 | 291 of 1719 |
Cities: Davis · West Sacramento · Woodland
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 |
|---|---|---|---|---|---|
| 95679 | Rumsey | 29% | 8 (1.3×) | 74% | Hardest |
| 95637 | Guinda | 18% | 20 (10.0×) | 48% | Hardest |
| 95606 | Brooks | 15% | 6 (3.0×) | 67% | Hardest |
| 95607 | Capay | 14% | 11 (11.0×) | 71% | Harder |
| 95694 | Winters | 2% | 63 (5.7×) | 28% | Harder |
| 95698 | Zamora | 2% | 1 (1.0×) | 2% | Harder |
| 95627 | Esparto | 1% | 11 | 2% | Easy |
| 95653 | Madison | 1% | 1 | – | Easy |
| 95937 | Dunnigan | 1% | 3 (3.0×) | 6% | Easy |
| 95605 | West Sacramento | 1% | 25 | – | Easy |
| 95612 | Clarksburg | 1% | 2 | – | Easy |
| 95618 | Davis | 0% | 20 (20.0×) | – | Easy |
| 95645 | Knights Landing | 0% | 1 | – | Easy |
| 95776 | Woodland | 0% | 20 (10.0×) | – | Easy |
| 95691 | West Sacramento | 0% | 24 (0.8×) | – | Easy |
| 95695 | Woodland | 0% | 14 (3.5×) | – | Easy |
| 95616 | Davis | 0% | 8 (4.0×) | – | Easy |
| 95697 | Yolo | 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%.