Can you get home insurance in Duarte?

Of its 2 ZIP codes, 1 is rated Hardest and 1 Harder to insure. About 10% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.

Which Duarte ZIP code is hardest to insure?

91008, with about 34% of insured homes on the FAIR Plan. The easiest is 91010, at about 8%.

How much is the FAIR Plan in Duarte?

The average FAIR Plan premium for an owner-occupied home in Duarte is about $2,458 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.

Is Duarte under a wildfire moratorium?

No wildfire non-renewal moratorium covers Duarte right now. Insureability checks the Department of Insurance's bulletins every day.

California › Los Angeles County › Duarte

Home insurance in Duarte, CA

2 ZIP codes · updated October 26, 2026

Of its 2 ZIP codes, 1 is rated Hardest and 1 Harder to insure. Across Duarte, about 10% of insured homes are on the FAIR Plan, the state's insurer of last resort, 2.2 times the 2021 count.

	Duarte	Los Angeles Co.	California
Homes on the FAIR Plan	10%	8%	8%
FAIR Plan policies	593 (2.2× since 2021)	155,514	665,607
FAIR Plan premium, average	$2,458	$2,341	$3,001
ZIP codes mostly in a Very High fire zone	1 of 2	47 of 278	291 of 1,719

Official FAIR Plan counts and premiums from the California FAIR Plan Association (June 2026; premium is fire-only, owner-occupied homes); fire zones from CAL FIRE. Sources

Every Duarte ZIP code, hardest first

ZIP code	On FAIR Plan	FAIR Plan premium	Very High fire	Outlook
91008	34%	$5,252	80%	Hardest
91010	8%	$1,435	35%	Harder

Fire zones and flood zones differ house to house. Check a Duarte address for the zones at the house itself.

Who's taking new customers

These large insurers say they're writing new homeowners policies in California (statewide; each decides home by home): Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Each ZIP code page above lists the companies the state shows for that ZIP code, with phone numbers. Who's still writing in California.

Common questions about home insurance in Duarte

Can you get home insurance in Duarte?: Of its 2 ZIP codes, 1 is rated Hardest and 1 Harder to insure. About 10% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.
Which Duarte ZIP code is hardest to insure?: 91008, with about 34% of insured homes on the FAIR Plan. The easiest is 91010, at about 8%.
How much is the FAIR Plan in Duarte?: The average FAIR Plan premium for an owner-occupied home in Duarte is about $2,458 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.
Is Duarte under a wildfire moratorium?: No wildfire non-renewal moratorium covers Duarte right now. Insureability checks the Department of Insurance's bulletins every day.

Updated October 26, 2026. General information, not insurance or legal advice. Insureability is not an insurance company, agency or broker and doesn't recommend insurers.

Nearby cities: Arcadia, Covina, West Covina · all of Los Angeles County

Guides: the FAIR Plan explained · buying in a fire zone · got a non-renewal?