California › El Dorado County › 95735
Twin Bridges, CA 95735
Home insurance outlook
Updated October 26, 2026 · tracking 1,719 ZIP codes and California's largest insurers
Private insurers are writing few new policies here; many homes end up on the FAIR Plan.
FAIR Plan policies here grew 16% since 2021, from 115 to 133, roughly 33% of insured homes. The state lists this ZIP code as a distressed area for insurance.
Very High fire hazardHighFEMA flood zoneCAL FIRE 2023–2025 maps; FEMA NFHL. Tap a zone for details.
Key numbers
| 95735 | El Dorado Co. | California | |
|---|---|---|---|
| FAIR Plan policies | 133 | 1.2× the 2021 count; about 33% of insured homes (used for the rating); county 2.0×, state 2.8× | |
| FAIR Plan premium, average | $5,414 | $4,033 | $3,001 |
| Land in a Very High fire hazard zone | 1% | ; 10 of 23 ZIP codes in El Dorado County are mostly Very High | |
| Land in a FEMA high-risk flood zone | None | 0 federal flood policies in force here; 1 of 23 ZIP codes in El Dorado County are 10%+ flood zone | |
| Typical home value | $315K | -1.0% in a year, as of September 2026 | |
Official FAIR Plan counts and premiums from the California FAIR Plan Association, June 2026 (fire-only policies on owner-occupied homes; the share is our estimate against the state's 2022 count of insured homes); fire zones from CAL FIRE (2023–2025 maps); flood zones and policy counts from FEMA; home values from Zillow. Sources
What do these mean?
- FAIR Plan
- California's insurer of last resort, for homes no private company will cover. A high share means private insurers have mostly left the area. Statewide about 8% of insured homes, 2.8× the count in 2021. The FAIR Plan covers fire only and costs more than a normal policy.
- Fire hazard zone
- CAL FIRE maps every part of the state as Moderate, High or Very High fire hazard (or none). Insurers lean on these maps. The number is the share of the ZIP code's land, not its homes.
- Flood zone
- FEMA's "Special Flood Hazard Area" is the 100-year floodplain, where lenders require flood insurance. Share of the ZIP code's land, not its homes. Levee-protected areas (Sacramento, Stockton) can show a low share and still carry real risk, so we also show how many federal flood policies are in force.
FAIR Plan policies by year
| As of | FAIR policies here | Change | El Dorado County | California |
|---|---|---|---|---|
| June 2026 | 133 | +1% | 27,892 | 665,607 |
| Sept 2025 | 132 | +17% | 27,593 | 620,991 |
| Sept 2024 | 113 | +13% | 23,472 | 449,624 |
| Sept 2023 | 100 | +20% | 18,385 | 320,385 |
| Sept 2022 | 83 | -28% | 15,243 | 265,733 |
| Sept 2021 | 115 | – | 13,971 | 236,386 |
Official California FAIR Plan Association, residential policies in force. The state lists 95735 as a distressed area, where insurers have committed to write more policies.
Who's taking new customers
95735 is a state-designated distressed area: insurers that took rate increases must write more policies here.
California FAIR Plan last resort, fire onlyAlways available
Can't turn a home down for its location. Covers fire; pair it with a "difference in conditions" policy for theft, water and liability. Sold through any licensed broker, not direct. Average FAIR premium in 95735: $5,414/yr.
Farmers Fire areas 15.4% of CATaking new customers
Writing new policies statewide; removed its monthly cap on new homeowners policies in November 2025. Committed to write more in distressed areas: Several thousand new policies in distressed areas over two years (press: about 5,600). Latest rate change: +1.5% (May 11, 2026).
Mercury 7.4% of CATaking new customers
Writing new policies; first insurer approved under the state's new rules, with the largest commitment. Committed to write more in distressed areas: More than 6,000 new policies over two years (about 2,000 of them in distressed areas, per the filing); 38,000+ long term.
CSAA (AAA Northern California) Fire areas 6.5% of CATaking new customers
Writing new policies for members; approved under the new rules in December 2025. Committed to write more in distressed areas: Maintain writing in distressed areas; offer quotes to some FAIR Plan members. No new-policy number published.
USAA Fire areas 6.1% of CATaking new customers
Members only; approved under the new rules and expanding access from January 2027. Committed to write more in distressed areas: Expand access statewide from January 2027; no number published. Latest rate change: +6.9% (February 6, 2026).
California Casualty Fire areas 0.6% of CATaking new customers
Committed to grow in California; a 6.9% rate change was approved in February 2026. Committed to write more in distressed areas: Grow in California; no number published. Latest rate change: +6.9% (February 17, 2026).
Pacific Specialty 0.5% of CATaking new customers
Committed to grow in California; approved with a 6.8% rate change effective July 2026. Committed to write more in distressed areas: Grow in California; no number published. Latest rate change: +6.8% (February 6, 2026).
PURE (high-value homes) Taking new customers
Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan.
MS Transverse (new entrant) Taking new customers
New insurer approved for California homeowners, effective July 2026.
Auto Club of Southern California (AAA) 6.6% of CAExpansion pending
Filed in April 2026 to expand coverage under the new rules; under state review. Latest rate change: +3.3% (September 30, 2026).
Liberty Mutual / Safeco 5.5% of CAExpansion pending
Asked the state in July 2026 to expand in distressed areas with no rate increase; pending. Committed to write more in distressed areas: Expand in distressed areas; no number published.
Travelers 4.0% of CAExpansion pending
Joined the new rules voluntarily in April 2026, saying it will expand availability statewide; pending. Committed to write more in distressed areas: Increase new policies statewide; no number published.
State Farm General 20.1% of CAClosed to new
Not taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes. Latest rate change: +17.0% (September 3, 2026).
Allstate 5.8% of CAClosed to new
No new policies since November 2022; filed in September 2026 to reopen. Committed to write more in distressed areas: About 2,000 new policies in distressed areas by July 2029 (press).
American Family 4.1% of CANo statement
No public statement about new policies under the state's new rules.
Fire areas = on the state's list of companies that may write in higher fire risk areas in 95735. The state lists 38 companies for homeowners here; also on its fire-areas list:
- Horace Mann Insurance CompanyCall 800-999-1030
- Mapfre Insurance CompanyCall 877-627-3731
See all 38 and local agents on the state's list
Official California Department of Insurance, Home Insurance Finder, checked October 25, 2026. The state notes listed companies may not be accepting new business; call to confirm.
Official Status from Department of Insurance announcements, as of October 23, 2026; phone numbers from the Department's residential insurer contact list. Statewide status; every insurer still underwrites each home. Listing isn't a recommendation. Tip: an independent broker can quote several of these at once. State lookup of agents in 95735 · All insurers
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Common questions about home insurance in Twin Bridges 95735
Can you still get home insurance in Twin Bridges 95735?
Twin Bridges (95735) is rated Hardest to insure as of October 26, 2026. Private insurers are writing few new policies here; many homes end up on the FAIR Plan. FAIR Plan policies here grew 16% since 2021, from 115 to 133, roughly 33% of insured homes. The state lists this ZIP code as a distressed area for insurance.
How many homes in Twin Bridges 95735 are on the FAIR Plan?
133 homes in 95735 have a California FAIR Plan policy, about 33% of insured homes, 1.2 times the 2021 count. Statewide it is about 8%. The FAIR Plan is the insurer of last resort for homes private insurers will not cover.
How much does the FAIR Plan cost in Twin Bridges 95735?
The average FAIR Plan premium on an owner-occupied home in 95735 is $5,414 a year (2026), compared with $4,033 across El Dorado County. The FAIR Plan covers fire only, so most owners add a separate "difference in conditions" policy for theft, water damage and liability.
Is Twin Bridges 95735 in a high fire hazard zone?
About 1% of the land in 95735 is in a CAL FIRE Very High fire hazard zone. Insurers use these maps, so check the exact address: the zone can differ from house to house.
Is Twin Bridges 95735 in a flood zone?
Almost none of 95735 is in a FEMA high-risk flood zone, and 0 federal flood insurance policies are in force here. Lenders require flood insurance for homes inside the zone; regular home insurance does not cover floods.
Can my insurer drop me in Twin Bridges 95735?
Generally, yes. There is no wildfire moratorium in 95735 right now, so an insurer can non-renew a policy with at least 75 days' written notice under California law. If you get a notice, compare quotes early and keep the FAIR Plan as a backup.
Which insurers are taking new customers near Twin Bridges 95735?
As of October 23, 2026, these large insurers say they are taking new home insurance customers in California: Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty. Each still decides home by home. An independent broker can quote several at once, and the FAIR Plan is always available.
Updated October 26, 2026 from the sources above. General information, not insurance or legal advice.
More: the FAIR Plan explained · who's writing in California · buying in a fire zone · all guides