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Insureability shows how hard it is to insure a home anywhere in California, ZIP code by ZIP code, from public state data checked every day. It has a free address check and a chat assistant, Shirley, who answers home insurance questions in plain English. Insureability is not an insurance company, agency or broker and doesn't sell insurance or recommend insurers.

Today's numbers

Sources checked October 26, 2026; FAIR Plan figures as of June 2026. Quote freely with credit.

518 of California's 1,719 ZIP codes are rated Hardest to insure (an estimated 15% or more of insured homes on the FAIR Plan).
665,862 residential policies are on the California FAIR Plan (June 2026, the FAIR Plan's own count), 2.8 times the 2021 count.
The FAIR Plan's own average premium for an owner-occupied home is about $3,000 a year for fire coverage alone (June 2026, before the Oct 15, 2026 rate increase).
The hardest places to insure right now (ZIP codes with 500 or more insured homes): Cedarpines Park (92322), an estimated 81% on the FAIR Plan; Silverado (92676), an estimated 80% on the FAIR Plan; Topanga (90290), an estimated 78% on the FAIR Plan; Crestline (92325), an estimated 77% on the FAIR Plan; Twin Peaks (92391), an estimated 76% on the FAIR Plan. The full top 100

Any town's own figures: counties and cities, or getinsureability.com/zip/ plus the ZIP code. What changed each month: monthly news.

How to describe us

Short: "Insureability, a free California home insurance tool"
Homeowner stories: "Insureability, a free tool that helps California homeowners find coverage, understand their policy and stay ahead of changes"
Real estate stories: "Insureability, a tool agents use to check homes before an offer, track insurance changes in their markets and keep deals on track"
Charts and tables: "Source: Insureability (getinsureability.com)"

Please link to getinsureability.com or the page you used. The numbers come from the California FAIR Plan and the Department of Insurance. Policy counts and average premiums are the FAIR Plan's own; the share of homes on the FAIR Plan is our estimate (it uses the state's 2022 count of privately insured homes). How the numbers are made

Free data

Every ZIP code's numbers in one CSV, updated daily, free to reuse with credit (CC BY 4.0): data downloads. We're glad to pull a custom cut for your area, county or fire.

Logos and images

Logo (SVG) · PNG
Wordmark (PNG)

The logo is Shirley, our assistant: a little house with a face. "Insureability" is written with "sure" in yellow.

Press contact

hello@getinsureability.com or the contact form (choose "Press or partnership").