California home insurance in December 2025: what changed
Published December 23, 2025. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data
Non-renewal moratorium: Gifford Fire.
Wildfire moratoriums
- Non-renewal moratorium: Gifford Fire Insurers can't cancel or non-renew homes in 29 ZIP codes until December 23, 2026. December 23, 2025 · Source · ZIP codes covered
Where the market stands
- 665,368 residential policies on the California FAIR Plan (September 2026), an estimated 7.4% of insured homes, and 2.8 times as many as in 2021. The FAIR Plan's own average premium for an owner-occupied home: about $3,000 a year, fire only, before the Oct 15, 2026 rate increase.
- 532 of 1,719 ZIP codes are rated Hardest to insure (an estimated 15% or more of homes on the FAIR Plan); the hardest: Cedarpines Park 92322 (83%), Topanga 90290 (81%), Silverado 92676 (81%), Crestline 92325 (79%), Twin Peaks 92391 (78%).
- Large insurers taking new customers: Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Closed to new: State Farm General, Allstate.
- Active wildfire moratoriums: Gann Fire (until August 6, 2027); Gifford Fire (until December 23, 2026); Pack Fire (until December 9, 2026).
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