Gann Fire: home insurance moratorium ZIP codes
Insurers can't cancel or non-renew homeowners policies for wildfire risk in these 22 ZIP codes until August 6, 2027. Declared August 6, 2026 by the Insurance Commissioner after the Governor's emergency declaration. Department of Insurance bulletin
ZIP codes covered
| ZIP code | Area | County | Outlook |
|---|---|---|---|
| 95215 | Stockton | San Joaquin | Harder |
| 95220 | Acampo | San Joaquin | Easy |
| 95222 | Angels Camp | Calaveras | Hardest |
| 95225 | Burson | Calaveras | Hardest |
| 95226 | Campo Seco | Calaveras | Hardest |
| 95227 | Clements | San Joaquin | Harder |
| 95228 | Copperopolis | Calaveras | Hardest |
| 95229 | Douglas Flat | Calaveras | Hardest |
| 95230 | Farmington | San Joaquin | Harder |
| 95236 | Linden | San Joaquin | Easy |
| 95245 | Mokelumne Hill | Calaveras | Hardest |
| 95247 | Murphys | Calaveras | Hardest |
| 95249 | San Andreas | Calaveras | Hardest |
| 95251 | Vallecito | Calaveras | Hardest |
| 95252 | Valley Springs | Calaveras | Harder |
| 95254 | Wallace | Calaveras | Harder |
| 95320 | Escalon | San Joaquin | Easy |
| 95327 | Jamestown | Tuolumne | Hardest |
| 95361 | Oakdale | Stanislaus | Easy |
| 95370 | Sonora | Tuolumne | Hardest |
| 95640 | Ione | Amador | Harder |
| 95642 | Jackson | Amador | Hardest |
What it means
- Protects existing policies in these ZIP codes from non-renewal or cancellation because of wildfire risk for one year. It doesn't make any insurer write a new policy, freeze premiums, or stop cancellations for other reasons like non-payment.
- Got a non-renewal notice dated during the moratorium? Call the Department of Insurance at 800-927-4357 and mention it; then follow the non-renewal playbook.
- When it ends, insurers can non-renew again with at least 75 days' written notice. Use the year to harden the home (the discounts insurers must give) and shop early.
Common questions
- Which ZIP codes are covered by the Gann Fire insurance moratorium?
- 22 ZIP codes in Amador, Calaveras, San Joaquin, Stanislaus and 1 other counties: 95215, 95220, 95222, 95225, 95226, 95227, 95228, 95229, 95230, 95236, 95245, 95247, 95249, 95251, 95252, 95254, 95320, 95327, 95361, 95370, 95640, 95642.
- When does the Gann Fire moratorium end?
- August 6, 2027. It was declared on August 6, 2026 and lasts one year.
- Can my insurer still raise my premium during a moratorium?
- Yes. A moratorium stops non-renewals and cancellations for wildfire risk; it doesn't freeze rates, and insurers can still cancel for non-payment or fraud.
All moratoriums, active and past: how California wildfire moratoriums work. Get an email the day a new one covers your ZIP code: free account.
Insureability is not an insurance company, agency or broker. General information from the Department of Insurance's bulletin, not legal advice.