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California home insurance data by ZIP code
Every number behind Insureability's 1,719 ZIP code pages in one free file, updated every day. For reporters, researchers, agents and anyone who wants to map who can still get insured in California.
Download the CSV 1,719 rows · updated October 26, 2026
Headline numbers
- About 665,607 California homes were on the FAIR Plan as of June 2026, roughly 7.5% of insured homes and 2.8× the 2021 count.
- The average FAIR Plan premium for an owner-occupied home is about $3,001 a year, for fire coverage alone.
- The highest shares on the FAIR Plan: Cedarpines Park 92322 (81%), Silverado 92676 (80%), Topanga 90290 (78%), Crestline 92325 (77%), Twin Peaks 92391 (76%). Top 100.
Free to use, with credit
You can use, chart and republish this data, including commercially, under CC BY 4.0. Please credit "Insureability analysis of California FAIR Plan, Department of Insurance, CAL FIRE and FEMA data" and link to this page or the ZIP code page you cite. The underlying public records stay under their sources' terms.
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What's in each column
| Column | Meaning |
|---|---|
| zip, area, county | ZIP code, its place name and county. |
| rating | Insureability's outlook: Hardest (15% or more of insured homes on the FAIR Plan), Harder (2% to 15%), Easy. How it works. |
| fair_plan_share_pct | Estimated share of insured homes on the FAIR Plan today: current FAIR Plan policies ÷ (the state's 2022 count of privately insured homes + current FAIR Plan policies). |
| fair_plan_policies, _asof | Residential FAIR Plan policies in force, from the California FAIR Plan Association, and the date of that count. |
| fair_plan_growth_since_2021 | Current FAIR Plan policies ÷ the September 2021 count. |
| fair_plan_avg_premium_owner_home | FAIR Plan written premium ÷ policies for owner-occupied single-family homes, in dollars a year. Fire coverage only. |
| very_high_fire_land_pct, high_fire_land_pct | Share of the ZIP code's land in CAL FIRE Very High and High Fire Hazard Severity Zones. Land, not homes. |
| fema_flood_zone_land_pct, nfip_flood_policies | Share of land in a FEMA Special Flood Hazard Area, and federal flood policies in force. |
| distressed_area | "yes" if the Department of Insurance lists the ZIP code (or its county) as wildfire-distressed under its Sustainable Insurance Strategy. |
| moratorium_until | End date of an active wildfire non-renewal moratorium covering the ZIP code, if any. |
| insurers_listed_by_state | Number of companies the Department of Insurance's Home Insurance Finder lists for homeowners in the ZIP code (read quarterly). Listed companies may not be accepting new business. |
Sources and methods: Our data. Insureability is not an insurance company, agency or broker. Figures are estimates from public records and may not reflect any one home.