California › Tehama County › 96090
Tehama, CA 96090
Home insurance outlook
Updated October 26, 2026 · tracking 1,719 ZIP codes and California's largest insurers
A standard policy is still the norm here.
Not enough current public data for this ZIP code yet.
Very High fire hazardHighFEMA flood zoneCAL FIRE 2023–2025 maps; FEMA NFHL. Tap a zone for details.
Key numbers
| 96090 | Tehama Co. | California | |
|---|---|---|---|
| Land in a Very High fire hazard zone | None | plus 10% High, 35% Moderate; 2 of 12 ZIP codes in Tehama County are mostly Very High | |
| Land in a FEMA high-risk flood zone | 92% | 65 federal flood policies in force here; 4 of 12 ZIP codes in Tehama County are 10%+ flood zone | |
Official ; fire zones from CAL FIRE (2023–2025 maps); flood zones and policy counts from FEMA. 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.
Who's taking new customers
96090 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.
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 96090. The state lists 44 companies for homeowners here; also on its fire-areas list:
- California Automobile Insurance CompanyCall 800-503-3724
- Horace Mann Insurance CompanyCall 800-999-1030
- Mapfre Insurance CompanyCall 877-627-3731
See all 44 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 96090 · All insurers
Insureability plans · start free
Checking is free. Get warned the day it changes.
Insurers pull out, rates get approved and moratoriums start all the time in California. Insureability tells you the day it happens in 96090, so you're never the last to know.
$0 · just an email
- Same-day alerts and a weekly update on 1 ZIP code
- 5 address checks a month
- Share or save 5 reports a month
- 1 client report with your name, to try
$29/month
Never lose a deal to insurance.
- Unlimited address checks: know before every offer or listing
- 50 client reports a month with your name, logo and contact info, always up to date (see one)
- Same-day alerts on 25 ZIP codes you work: insurers opening or leaving, rate hikes, moratoriums
- Listing watch: a heads-up when anything changes for a client's home
- Monday market digest and a branded area summary for your newsletter and socials
- 300 questions and 30 document explanations a month with Shirley, our assistant
Saves one deal and it's paid for itself for years.
Try Pro free for 14 days Or $290 a year: 2 months free$99/month
- Everything in Pro for up to 10 agents
- Unlimited client reports and ZIP codes for every agent
- Each agent signs in on their own phone, with their own name on reports
- One bill for the office; add or remove agents by email
Less than $10 per agent.
Try Team free for 14 days Or $990 a year: 2 months freePro and Team: 14 days free, then billed monthly or yearly. Cancel anytime; refunds within 7 days of a charge. Compare plans
Common questions about home insurance in Tehama 96090
Can you still get home insurance in Tehama 96090?
Tehama (96090) is rated Easy to insure as of October 26, 2026. A standard policy is still the norm here. Not enough current public data for this ZIP code yet.
Is Tehama 96090 in a high fire hazard zone?
None of the land in 96090 is in a CAL FIRE Very High fire hazard zone, plus 10% High. Insurers use these maps, so check the exact address: the zone can differ from house to house.
Is Tehama 96090 in a flood zone?
About 92% of 96090 is in a FEMA high-risk flood zone, and 65 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 Tehama 96090?
Generally, yes. There is no wildfire moratorium in 96090 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 Tehama 96090?
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