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Home insurance in Santa Cruz, CA
4 ZIP codes · updated October 26, 2026
Of its 4 ZIP codes, 1 is rated Hardest, 2 Harder and 1 Easy to insure. Across Santa Cruz, about 8% of insured homes are on the FAIR Plan, the state's insurer of last resort, 8.4 times the 2021 count.
| Santa Cruz | Santa Cruz Co. | California | |
|---|---|---|---|
| Homes on the FAIR Plan | 8% | 15% | 8% |
| FAIR Plan policies | 2,057 (8.4× since 2021) | 12,741 | 665,607 |
| FAIR Plan premium, average | $5,587 | $5,112 | $3,001 |
| ZIP codes mostly in a Very High fire zone | 0 of 4 | 2 of 17 | 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 Cruz ZIP code, hardest first
| ZIP code | On FAIR Plan | FAIR Plan premium | Very High fire | Outlook |
|---|---|---|---|---|
| 95065 | 20% | $5,120 | – | Hardest |
| 95060 | 11% | $5,917 | 1% | Harder |
| 95064 | 8% | – | – | Harder |
| 95062 | 1% | $1,947 | – | Easy |
Fire zones and flood zones differ house to house. Check a Santa Cruz 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 Cruz
- Can you get home insurance in Santa Cruz?
- Of its 4 ZIP codes, 1 is rated Hardest, 2 Harder and 1 Easy to insure. About 8% 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 Cruz ZIP code is hardest to insure?
- 95065, with about 20% of insured homes on the FAIR Plan. The easiest is 95062, at about 1%.
- How much is the FAIR Plan in Santa Cruz?
- The average FAIR Plan premium for an owner-occupied home in Santa Cruz is about $5,587 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 Cruz under a wildfire moratorium?
- No wildfire non-renewal moratorium covers Santa Cruz 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.
Guides: the FAIR Plan explained · buying in a fire zone · got a non-renewal?