Gifford Fire: home insurance moratorium ZIP codes

Insurers can't cancel or non-renew homeowners policies for wildfire risk in these 29 ZIP codes until December 23, 2026. Declared December 23, 2025 by the Insurance Commissioner after the Governor's emergency declaration. Department of Insurance bulletin

ZIP codes covered

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 Gifford Fire insurance moratorium?

29 ZIP codes in Kern, San Luis Obispo, Santa Barbara, Ventura counties: 93023, 93105, 93224, 93249, 93251, 93252, 93254, 93268, 93401, 93405, 93409, 93410, 93420, 93421, 93422, 93424, 93432, 93433, 93441, 93442, 93444, 93445, 93449, 93453, 93454, 93455, 93458, 93460, 93461.

When does the Gifford Fire moratorium end?

December 23, 2026. It was declared on December 23, 2025 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.