Pack Fire: home insurance moratorium ZIP codes
Insurers can't cancel or non-renew homeowners policies for wildfire risk in these 4 ZIP codes until December 9, 2026. Declared December 9, 2025 by the Insurance Commissioner after the Governor's emergency declaration. Department of Insurance bulletin
ZIP codes covered
| ZIP code | Area | County | Outlook |
|---|---|---|---|
| 93512 | Benton | Mono | Harder |
| 93514 | Bishop | Inyo | Harder |
| 93529 | June Lake | Mono | Hardest |
| 93546 | Mammoth Lakes | Mono | 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 Pack Fire insurance moratorium?
- 4 ZIP codes in Inyo, Mono counties: 93512, 93514, 93529, 93546.
- When does the Pack Fire moratorium end?
- December 9, 2026. It was declared on December 9, 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.