California › Hardest to insure
Hardest places to insure in California
The 100 ZIP codes with the largest share of homes on the FAIR Plan
Only ZIP codes with 500 or more insured homes are ranked. Statewide, an estimated 7.5% of insured homes are on the FAIR Plan. (FAIR Plan counts as of June 2026.) Download every ZIP code (CSV).
| # | Area | On FAIR Plan |
|---|---|---|
| 1 | Cedarpines Park 92322San Bernardino County | 81% |
| 2 | Silverado 92676Orange County | 80% |
| 3 | Topanga 90290Los Angeles County | 78% |
| 4 | Crestline 92325San Bernardino County | 77% |
| 5 | Twin Peaks 92391San Bernardino County | 76% |
| 6 | Lake Arrowhead 92352San Bernardino County | 74% |
| 7 | Running Springs 92382San Bernardino County | 71% |
| 8 | Fawnskin 92333San Bernardino County | 69% |
| 9 | Idyllwild 92549Riverside County | 68% |
| 10 | Forest Falls 92339San Bernardino County | 68% |
| 11 | Foresthill 95631Placer County | 68% |
| 12 | Green Valley Lake 92341San Bernardino County | 66% |
| 13 | Sugarloaf 92386San Bernardino County | 65% |
| 14 | Long Barn 95335Tuolumne County | 64% |
| 15 | Pollock Pines 95726El Dorado County | 61% |
| 16 | Big Bear Lake 92315San Bernardino County | 61% |
| 17 | Shaver Lake 93664Fresno County | 60% |
| 18 | Mi Wuk Village 95346Tuolumne County | 60% |
| 19 | Pioneer 95666Amador County | 59% |
| 20 | Twain Harte 95383Tuolumne County | 59% |
| 21 | Garden Valley 95633El Dorado County | 58% |
| 22 | Meadow Vista 95722Placer County | 58% |
| 23 | Big Bear City 92314San Bernardino County | 57% |
| 24 | Warner Springs 92086San Diego County | 57% |
| 25 | Groveland 95321Tuolumne County | 57% |
| 26 | Arnold 95223Calaveras County | 56% |
| 27 | Descanso 91916San Diego County | 55% |
| 28 | Los Angeles 90077Los Angeles County | 55% |
| 29 | Georgetown 95634El Dorado County | 55% |
| 30 | Pine Grove 95665Amador County | 53% |
| 31 | Wrightwood 92397San Bernardino County | 52% |
| 32 | Rough and Ready 95975Nevada County | 52% |
| 33 | Avalon 90704Los Angeles County | 52% |
| 34 | Colfax 95713Placer County | 52% |
| 35 | Pine Mountain Club 93222Kern County | 52% |
| 36 | Julian 92036San Diego County | 51% |
| 37 | Nevada City 95959Nevada County | 51% |
| 38 | Grass Valley 95949Nevada County | 51% |
| 39 | Camino 95709El Dorado County | 51% |
| 40 | North Fork 93643Madera County | 50% |
| 41 | Forest Ranch 95942Butte County | 50% |
| 42 | Anza 92539Riverside County | 50% |
| 43 | Lake Hughes 93532Los Angeles County | 49% |
| 44 | Somerset 95684El Dorado County | 49% |
| 45 | Pine Valley 91962San Diego County | 49% |
| 46 | Olympic Valley 96146Placer County | 49% |
| 47 | West Point 95255Calaveras County | 49% |
| 48 | Tahoe Vista 96148Placer County | 49% |
| 49 | Murphys 95247Calaveras County | 49% |
| 50 | Volcano 95689Amador County | 48% |
| 51 | Tahoe City 96145Placer County | 48% |
| 52 | Jamul 91935San Diego County | 48% |
| 53 | Columbia 95310Tuolumne County | 48% |
| 54 | Alpine 91901San Diego County | 48% |
| 55 | Magalia 95954Butte County | 48% |
| 56 | Placerville 95667El Dorado County | 47% |
| 57 | Auberry 93602Fresno County | 47% |
| 58 | Bass Lake 93604Madera County | 47% |
| 59 | Soulsbyville 95372Tuolumne County | 46% |
| 60 | Tuolumne 95379Tuolumne County | 46% |
| 61 | Applegate 95703Placer County | 46% |
| 62 | Temecula 92590Riverside County | 46% |
| 63 | Coulterville 95311Mariposa County | 46% |
| 64 | Cobb 95426Lake County | 45% |
| 65 | Carnelian Bay 96140Placer County | 45% |
| 66 | Wofford Heights 93285Kern County | 45% |
| 67 | Homewood 96141Placer County | 44% |
| 68 | Sonora 95370Tuolumne County | 44% |
| 69 | Mountain Center 92561Riverside County | 44% |
| 70 | Mountain Ranch 95246Calaveras County | 43% |
| 71 | Mariposa 95338Mariposa County | 43% |
| 72 | Bodfish 93205Kern County | 43% |
| 73 | June Lake 93529Mono County | 42% |
| 74 | Kings Beach 96143Placer County | 42% |
| 75 | Campo 91906San Diego County | 42% |
| 76 | Los Gatos 95033Santa Cruz County | 41% |
| 77 | Three Rivers 93271Tulare County | 41% |
| 78 | Grass Valley 95945Nevada County | 40% |
| 79 | Malibu 90265Los Angeles County | 40% |
| 80 | Smartsville 95977Nevada County | 40% |
| 81 | Soda Springs 95728Nevada County | 40% |
| 82 | Mokelumne Hill 95245Calaveras County | 40% |
| 83 | Tahoma 96142El Dorado County | 39% |
| 84 | Cool 95614El Dorado County | 39% |
| 85 | Auburn 95602Placer County | 39% |
| 86 | Oakhurst 93644Madera County | 39% |
| 87 | Truckee 96161Nevada County | 39% |
| 88 | Aguanga 92536Riverside County | 39% |
| 89 | Bradley 93426Monterey County | 38% |
| 90 | Ahwahnee 93601Madera County | 38% |
| 91 | El Dorado 95623El Dorado County | 38% |
| 92 | Beverly Hills 90210Los Angeles County | 37% |
| 93 | Valley Center 92082San Diego County | 36% |
| 94 | Tollhouse 93667Fresno County | 36% |
| 95 | Felton 95018Santa Cruz County | 36% |
| 96 | Rescue 95672El Dorado County | 36% |
| 97 | Boulevard 91905San Diego County | 36% |
| 98 | Boulder Creek 95006Santa Cruz County | 36% |
| 99 | Paradise 95969Butte County | 35% |
| 100 | Jamestown 95327Tuolumne County | 35% |
FAIR Plan policy counts from the California FAIR Plan Association (June 2026); private-insurer counts from the California Department of Insurance. The share is Insureability's estimate. How we calculate it