Where the California FAIR Plan grew most, September 2025 to 2026

From the California FAIR Plan's own policy counts by ZIP code, as of September 30 each year (published October 2026). Updated October 29, 2026. Our data

The FAIR Plan, California's insurer of last resort, had 665,368 residential policies on September 30, 2026, up from 621,234 a year earlier: +7%. It grew in 659 of the 909 ZIP codes with at least 100 policies.

For reporters: "The California FAIR Plan had 665,368 residential policies on September 30, 2026, +7% in a year; the fastest growth was in Chino (91708), +67%," according to Insureability's analysis of FAIR Plan data. Free to quote with credit; every ZIP code is on Data.

Fastest growth: the 25 ZIP codes

ZIP codes with at least 100 FAIR Plan policies a year earlier.

ZIP code	County	Sept 2025	Sept 2026	Change	Rating
Chino 91708	San Bernardino	114	190	+67%	Harder
Eureka 95503	Humboldt	380	625	+64%	Harder
Fortuna 95540	Humboldt	163	260	+60%	Harder
San Jose 95111	Santa Clara	113	177	+57%	Harder
Crescent City 95531	Del Norte	379	573	+51%	Harder
Laguna Woods 92637	Orange	129	192	+49%	Hardest
Eureka 95501	Humboldt	123	183	+49%	Harder
Rancho Santa Margarita 92688	Orange	1,093	1,531	+40%	Hardest
Lake Elsinore 92532	Riverside	1,285	1,791	+39%	Hardest
Foothill Ranch 92610	Orange	409	567	+39%	Hardest
Landers 92285	San Bernardino	147	203	+38%	Hardest
West Covina 91791	Los Angeles	356	486	+37%	Harder
Beaumont 92223	Riverside	2,443	3,315	+36%	Hardest
Cabazon 92230	Riverside	136	185	+36%	Hardest
Winchester 92596	Riverside	996	1,353	+36%	Harder
Sun City 92585	Riverside	616	824	+34%	Harder
The Sea Ranch 95497	Sonoma	262	351	+34%	Hardest
Moreno Valley 92557	Riverside	1,288	1,711	+33%	Harder
Moreno Valley 92555	Riverside	1,397	1,842	+32%	Hardest
San Jacinto 92582	Riverside	322	425	+32%	Harder
San Clemente 92672	Orange	597	786	+32%	Harder
Ladera Ranch 92694	Orange	1,023	1,351	+32%	Harder
San Anselmo 94960	Marin	200	265	+32%	Harder
Bella Vista 96008	Shasta	140	185	+32%	Hardest
Claremont 91711	Los Angeles	378	495	+31%	Harder

Most new FAIR Plan policies

ZIP code	County	Sept 2025	Sept 2026	Change	Rating
Beaumont 92223	Riverside	2,443	3,315	+872	Hardest
Yucaipa 92399	San Bernardino	2,732	3,505	+773	Hardest
Trabuco Canyon 92679	Orange	2,851	3,517	+666	Hardest
Murrieta 92562	Riverside	2,676	3,231	+555	Hardest
Perris 92570	Riverside	2,735	3,277	+542	Hardest
Ramona 92065	San Diego	3,480	3,987	+507	Hardest
Lake Elsinore 92530	Riverside	2,514	3,021	+507	Hardest
Lake Elsinore 92532	Riverside	1,285	1,791	+506	Hardest
Chino Hills 91709	San Bernardino	2,627	3,131	+504	Harder
Corona 92883	Riverside	2,144	2,631	+487	Hardest
Wildomar 92595	Riverside	1,771	2,234	+463	Hardest
Murrieta 92563	Riverside	1,475	1,934	+459	Harder
Moreno Valley 92555	Riverside	1,397	1,842	+445	Hardest
Rancho Santa Margarita 92688	Orange	1,093	1,531	+438	Hardest
Corona 92882	Riverside	1,893	2,330	+437	Harder

By county

Counties with at least 500 FAIR Plan policies a year earlier.

County	Sept 2025	Sept 2026	Change
Del Norte	551	756	+37%
Humboldt	2,778	3,480	+25%
Riverside	56,170	67,407	+20%
Mono	1,876	2,214	+18%
Orange	23,251	27,241	+17%
Marin	4,151	4,742	+14%
Ventura	14,609	16,526	+13%
Imperial	632	699	+11%
San Bernardino	63,740	69,884	+10%
San Mateo	3,435	3,785	+10%
Alameda	10,863	11,968	+10%
Mendocino	4,483	4,924	+10%
Siskiyou	3,029	3,339	+10%
San Diego	57,943	63,398	+9%
Lake	5,592	6,089	+9%
Shasta	7,082	7,712	+9%
Solano	1,236	1,340	+8%
San Francisco	1,861	1,998	+7%
Los Angeles	147,666	155,267	+5%
Kern	10,984	11,573	+5%
Contra Costa	12,609	13,276	+5%
Plumas	2,620	2,746	+5%
Tulare	2,969	3,091	+4%
Santa Clara	5,977	6,231	+4%
Santa Barbara	6,567	6,750	+3%
San Luis Obispo	4,595	4,737	+3%
Monterey	5,135	5,267	+3%
Trinity	1,332	1,374	+3%
Sierra	507	522	+3%
Lassen	2,059	2,125	+3%
Fresno	5,495	5,632	+2%
Sonoma	8,213	8,378	+2%
Tuolumne	13,497	13,704	+2%
Nevada	22,999	23,457	+2%
Calaveras	10,315	10,330	0%
Amador	6,017	5,992	0%
Placer	18,601	18,638	0%
El Dorado	27,593	27,521	0%
Yuba	1,523	1,521	0%
Madera	5,483	5,455	−1%
Mariposa	3,259	3,219	−1%
Santa Cruz	12,559	12,419	−1%
Napa	2,708	2,651	−2%
Butte	9,167	8,944	−2%
Tehama	1,061	1,040	−2%
San Joaquin	1,176	1,146	−3%
Stanislaus	1,078	1,036	−4%
Sacramento	1,877	1,747	−7%

Where it fell

A drop doesn't by itself mean insurance got easier: homes destroyed in a fire leave the count, and some owners move to a private insurer.

ZIP code	County	Sept 2025	Sept 2026	Change	Rating
Myers Flat 95554	Humboldt	119	52	−56%	Hardest
Montgomery Creek 96065	Shasta	106	61	−42%	Hardest
Santa Maria 93458	Santa Barbara	101	66	−35%	Easy
Hanford 93230	Kings	109	81	−26%	Easy
Mokelumne Hill 95245	Calaveras	389	302	−22%	Hardest
Fremont 94536	Alameda	110	88	−20%	Easy
Santa Rosa 95403	Sonoma	309	251	−19%	Harder
Santa Rosa 95407	Sonoma	100	83	−17%	Easy
Chico 95973	Butte	240	202	−16%	Harder
Los Angeles 90024	Los Angeles	171	145	−15%	Harder
King City 93930	Monterey	199	169	−15%	Harder
Fairfield 94533	Solano	121	103	−15%	Easy
Pacific Palisades 90272	Los Angeles	1,557	1,332	−14%	Hardest
Cerritos 90703	Los Angeles	153	132	−14%	Easy
Burbank 91505	Los Angeles	148	127	−14%	Harder

How we got these numbers

The FAIR Plan publishes residential policies in force by ZIP code as of September 30 each year. We compare each ZIP code's count with the year before. Percentages are shown only for ZIP codes with at least 100 policies a year earlier, because small counts swing widely. Ratings are Insureability's, explained on How it works.

Look up any ZIP code or address free on Insureability, or get an email when the FAIR Plan publishes new numbers for yours with a free account.

Source: California FAIR Plan Association, Key Statistics & Data. Insureability is not an insurance company, agency or broker and doesn't recommend insurers.