California wildfire moratoriums (October 2026): which ZIP codes are protected

Updated October 26, 2026 · From the California Department of Insurance, the California FAIR Plan Association and other public records · Our data

After the Governor declares a wildfire emergency, California's Insurance Commissioner can bar insurers, for one year, from cancelling or non-renewing homeowners policies in ZIP codes in or next to the fire because of the wildfire risk. Insureability reads the Department of Insurance's bulletins every day.

Active moratoriums

Gann Fire: until August 6, 2027

Declared August 6, 2026. Covers 22 ZIP codes: 95215 Stockton, 95220 Acampo, 95222 Angels Camp, 95225 Burson, 95226 Campo Seco, 95227 Clements, 95228 Copperopolis, 95229 Douglas Flat, 95230 Farmington, 95236 Linden, 95245 Mokelumne Hill, 95247 Murphys, 95249 San Andreas, 95251 Vallecito, 95252 Valley Springs, 95254 Wallace, 95320 Escalon, 95327 Jamestown, 95361 Oakdale, 95370 Sonora, 95640 Ione, 95642 Jackson. Department of Insurance bulletin

Gifford Fire: until December 23, 2026

Declared December 23, 2025. Covers 29 ZIP codes: 93023 Ojai, 93105 Santa Barbara, 93224 Fellows, 93249 Lost Hills, 93251 McKittrick, 93252 Maricopa, 93254 New Cuyama, 93268 Taft, 93401 San Luis Obispo, 93405 San Luis Obispo, 93409, 93410, 93420 Arroyo Grande, 93421, 93422 Atascadero, 93424 Avila Beach, 93432 Creston, 93433 Grover Beach, 93441 Los Olivos, 93442 Morro Bay, 93444 Nipomo, 93445 Oceano, 93449 Pismo Beach, 93453 Santa Margarita, 93454 Santa Maria, 93455 Santa Maria, 93458 Santa Maria, 93460 Santa Ynez, 93461 Shandon. Department of Insurance bulletin

Pack Fire: until December 9, 2026

Declared December 9, 2025. Covers 4 ZIP codes: 93512 Benton, 93514 Bishop, 93529 June Lake, 93546 Mammoth Lakes. Department of Insurance bulletin

What a moratorium does, and doesn't

• Does: stops your insurer from dropping your home for wildfire risk until the end date.
• Doesn't: stop non-renewals or cancellations for other reasons (like non-payment), freeze your premium, or make a new insurer write you.
• It applies to policies in force when the emergency was declared.

Got a non-renewal during a moratorium?

Call the Department of Insurance at 800-927-4357 and mention the moratorium. Then follow the non-renewal playbook.

Get an email the day a new moratorium covers your ZIP code: a free Insureability account watches one ZIP code; Pro watches 25.

Common questions

What is a wildfire moratorium in California?

After the Governor declares a wildfire emergency, the Insurance Commissioner can bar insurers, for one year, from cancelling or non-renewing homeowners policies in ZIP codes in or next to the fire because of the wildfire risk. Non-payment and other reasons still apply.

Is my ZIP code under a moratorium?

Active moratoriums as of October 26, 2026: Gann Fire until August 6, 2027 (22 ZIP codes); Gifford Fire until December 23, 2026 (29 ZIP codes); Pack Fire until December 9, 2026 (4 ZIP codes). Each ZIP code page on Insureability shows whether it's covered.

Does a moratorium stop my premium from going up?

No. It stops non-renewals and cancellations for wildfire risk for a year; insurers can still change rates under approved filings.

More guides

• Who's still writing home insurance in California (October 2026)Which big insurers are taking new customers, which are closed, and who's about to reopen.
• California FAIR Plan (October 2026): what it covers, what it costs, how to get off itThe state's insurer of last resort, in plain English, with current costs by area.
• Why California home insurance went up, and how to lower yoursWhat's driving premiums, the rate increases the state approved, and what actually lowers the price.
• Safer from Wildfires: the discounts California insurers must giveThe home-hardening steps every insurer must credit, and the FAIR Plan's own list.

Insureability is not an insurance company, agency or broker and doesn't recommend insurers. This guide is general information from public records, not insurance or legal advice; your policy and the Department of Insurance are the authority.