TCU Lightning Complex Fire: home insurance moratorium ZIP codes
This moratorium ran from September 19, 2025 to September 19, 2026 and has ended. Insurers can non-renew homes in these ZIP codes again, with 75 days' notice. Declared September 19, 2025 by the Insurance Commissioner after the Governor's emergency declaration. Department of Insurance bulletin
ZIP codes covered
| ZIP code | Area | County | Outlook |
|---|---|---|---|
| 95210 | Stockton | San Joaquin | Easy |
| 95212 | Stockton | San Joaquin | Easy |
| 95215 | Stockton | San Joaquin | Harder |
| 95220 | Acampo | San Joaquin | Easy |
| 95222 | Angels Camp | Calaveras | Hardest |
| 95223 | Arnold | Calaveras | Hardest |
| 95224 | Avery | 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 |
| 95237 | Lockeford | San Joaquin | Easy |
| 95240 | Lodi | San Joaquin | Easy |
| 95242 | Lodi | San Joaquin | Easy |
| 95246 | Mountain Ranch | Calaveras | Hardest |
| 95247 | Murphys | Calaveras | Hardest |
| 95249 | San Andreas | Calaveras | Hardest |
| 95251 | Vallecito | Calaveras | Hardest |
| 95252 | Valley Springs | Calaveras | Harder |
| 95253 | |||
| 95254 | Wallace | Calaveras | Harder |
| 95310 | Columbia | Tuolumne | Hardest |
| 95311 | Coulterville | Mariposa | Hardest |
| 95316 | Denair | Stanislaus | Easy |
| 95320 | Escalon | San Joaquin | Easy |
| 95321 | Groveland | Tuolumne | Hardest |
| 95323 | Hickman | Stanislaus | Harder |
| 95327 | Jamestown | Tuolumne | Hardest |
| 95329 | La Grange | Stanislaus | Hardest |
| 95335 | Long Barn | Tuolumne | Hardest |
| 95346 | Mi Wuk Village | Tuolumne | Hardest |
| 95361 | Oakdale | Stanislaus | Easy |
| 95369 | Snelling | Merced | Harder |
| 95370 | Sonora | Tuolumne | Hardest |
| 95375 | Strawberry | Tuolumne | Hardest |
| 95386 | Waterford | Stanislaus | Easy |
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 TCU Lightning Complex Fire insurance moratorium?
- 39 ZIP codes in Calaveras, Mariposa, Merced, San Joaquin and 2 other counties: 95210, 95212, 95215, 95220, 95222, 95223, 95224, 95225, 95226, 95227, 95228, 95229, 95230, 95236, 95237, 95240, 95242, 95246, 95247, 95249, 95251, 95252, 95253, 95254, 95310, 95311, 95316, 95320, 95321, 95323, 95327, 95329, 95335, 95346, 95361, 95369, 95370, 95375, 95386.
- When does the TCU Lightning Complex Fire moratorium end?
- September 19, 2026. It was declared on September 19, 2025 and lasts one year. It has ended.
- 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.