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Home insurance in Santa Barbara, CA
7 ZIP codes · updated October 26, 2026
Of its 7 ZIP codes, 2 are rated Hardest and 5 Harder to insure. Across Santa Barbara, about 14% of insured homes are on the FAIR Plan, the state's insurer of last resort, 3.3 times the 2021 count.
Wildfire moratorium: insurers can't non-renew homes for wildfire risk in 93105 until December 23, 2026. How moratoriums work
| Santa Barbara | Santa Barbara Co. | California | |
|---|---|---|---|
| Homes on the FAIR Plan | 14% | 7% | 8% |
| FAIR Plan policies | 4,613 (3.3× since 2021) | 6,867 | 665,607 |
| FAIR Plan premium, average | $6,481 | $6,155 | $3,001 |
| ZIP codes mostly in a Very High fire zone | 1 of 7 | 3 of 22 | 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 Santa Barbara ZIP code, hardest first
| ZIP code | On FAIR Plan | FAIR Plan premium | Very High fire | Outlook |
|---|---|---|---|---|
| 93108 | 34% | $7,328 | 52% | Hardest |
| 93105 | 20% | $6,586 | 27% | Hardest |
| 93103 | 13% | $6,550 | 38% | Harder |
| 93110 | 9% | $4,483 | 22% | Harder |
| 93111 | 7% | $5,198 | 36% | Harder |
| 93101 | 4% | $4,432 | – | Harder |
| 93109 | 3% | $3,887 | – | Harder |
Fire zones and flood zones differ house to house. Check a Santa Barbara 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 Santa Barbara
- Can you get home insurance in Santa Barbara?
- Of its 7 ZIP codes, 2 are rated Hardest and 5 Harder to insure. About 14% 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 Santa Barbara ZIP code is hardest to insure?
- 93108, with about 34% of insured homes on the FAIR Plan. The easiest is 93109, at about 3%.
- How much is the FAIR Plan in Santa Barbara?
- The average FAIR Plan premium for an owner-occupied home in Santa Barbara is about $6,481 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 Santa Barbara under a wildfire moratorium?
- Yes, in 93105 until December 23, 2026: insurers can't non-renew homes there for wildfire risk until then.
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: Ventura · all of Santa Barbara County
Guides: the FAIR Plan explained · buying in a fire zone · got a non-renewal?