Has the FAIR Plan grown faster in Perris and Menifee than in the rest of California?

The California FAIR Plan held 8,819 policies on September 30, 2026, in six ZIP codes: Perris (92570, 92571), Menifee (92584), Sun City (92585, 92586) and Quail Valley (92587).

The City of Menifee's own profile says the city includes Menifee Lakes, Sun City, Quail Valley and portions of Romoland.

Perris and Menifee's count was 1,232 on September 30, 2022, and 7,201 on September 30, 2025.

On September 30, 2026, 2,973 of the 8,819 Perris and Menifee policies were rated High in the Plan's wildfire tiers, 2,681 Medium and 3,165 Low. Perris's 92570 is the exception, at 72% High, while 92571 had only 3 High-tier policies and 92586 had none. The tiers are the FAIR Plan's own ratings, separate from the state's fire hazard maps.

On March 31, 2026, five of the six Perris and Menifee ZIP codes held a flag the FAIR Plan carries to mark distressed areas. By September 30, 2026, none did.

In the Department of Insurance's 2022 figures, the six Perris and Menifee ZIP codes had just 1.9% of insured homes on the FAIR Plan, below the 3.2% statewide. Perris's 92570 was highest, at 6.6%.

Second homes are rare in Perris and Menifee. The Census Bureau's 2020 to 2024 estimate puts 1.3% of Perris and Menifee housing units in seasonal or occasional use, against 2.4% statewide.

The steepest climbs came in Sun City and Quail Valley. Sun City's 92586 went from 21 FAIR Plan policies on September 30, 2022, to 659 on September 30, 2026.

Its neighbor 92585 went from 44 to 824, and Quail Valley's 92587 from 108 to 1,261. Menifee's 92584 rose 863%, to 1,685, and Perris's 92571 rose 591%, to 1,113.

Perris's 92570 started higher, at 723, and reached 3,277. That count ranked 18th among California ZIP codes on September 30, 2026.

In 2023, 16.3% of home policies outside the FAIR Plan in Perris's 92570 were non-renewed, the highest rate of the six. Across all six Perris and Menifee ZIP codes, the rate was 11.8%, against 8.7% statewide.

The Department of Insurance's totals include owners who sold or switched insurers, and its latest year is 2023. For Temecula, Corona and the rest of the county, read the Riverside County guide.

Yes, both did, in June 2025. On March 24, 2025, the State Fire Marshal issued recommended maps for local areas of Riverside County, Menifee's fire maps page says.

Perris's City Council adopted the zones "as recommended" by the state on June 10, 2025, by a 5-0 vote. The ordinance says it takes effect 30 days after adoption.

Menifee's City Council adopted the part of the state's map that covers the city on June 18, 2025, the city's Fall 2025 newsletter says.

Perris's fire marshal says homes in a Very High zone "must follow stricter home hardening and defensible space standards," with "100-foot defensible space clearance." New construction and major renovations in High and Very High zones must meet the state's wildland building codes, and sellers must disclose the zone.

Look up your own address to see whether your home is in a zone, and which one.

The County of Riverside made the 2026 edition of the state's Fire Risk Reduction Community List, a roll of agencies with sound fire planning. The cities of Perris and Menifee did not.

Yes, for stays of 27 days or less. Perris requires a short-term rental business license from the city before a home is rented short term. The rule is Chapter 5.38 of its Municipal Code (Ordinance 1374, November 13, 2018).

The city defines a short-term rental as a stay of "at least one night, but no more than 27 consecutive calendar days."

Chapter 5.38 itself sets no insurance requirement. Your own policy may still treat paying guests differently, so read how a homeowners policy handles short stays and get your insurer's answer in writing.

In Menifee, ask the city's planning department about rentals before you list a home.

The Airport Fire of September 2024 burned 23,526 acres in Orange and Riverside counties. Bulletin 2024-9 then paused wildfire non-renewals in Perris's 92570 for one year from September 11, 2024. That pause has ended.

In California, a non-renewal notice must go out by mail or delivery at least 75 days (90 days beginning January 1, 2028) before the policy ends. Start your search when the notice comes, with standard insurers first, then specialty insurers.

If your home moved to the FAIR Plan in the last few years, check it against full policies before each renewal. A FAIR Plan policy on a Perris or Menifee home leaves out a burst pipe's water damage, a burglary and a guest's injury. One full policy in its place can cover all three.

If a full policy comes through, start it first, then cancel the FAIR Plan policy.