Does a Shaver Lake home have to stay on the FAIR Plan?

The California Department of Insurance's 2022 count puts 54.5% of the insured homes in Shaver Lake's 93664 on the FAIR Plan. Statewide, it was 3.2%. Across the Shaver Lake area's nine ZIP codes, the FAIR Plan's share was 33.0%.

Nine ZIP codes make up the Shaver Lake area on this page. They take in Friant, Prather, Auberry, Tollhouse, Yokuts Valley and Dunlap below, and Shaver Lake, Big Creek and Huntington Lake above.

The Shaver Lake area's ZIP codes held 3,385 FAIR Plan residential policies on September 30, 2026, 42% more than the 2,379 they held four years earlier. Big Creek's 93605 has no row in either FAIR Plan file.

Shaver Lake's own 93664 holds the most: 1,557 of them on September 30, 2026, and the Plan rates 98% of those High for wildfire.

On September 30, 2026, 89% of the Shaver Lake area's FAIR Plan policies sat in its High wildfire tier. Seven of the Shaver Lake area's nine ZIP codes carried a flag the FAIR Plan carries, as its September 30, 2026 file shows. Friant's 93626 lost the flag that year, and Big Creek's 93605 is not in the file.

In 2023, the Department's data show, other companies renewed 3,574 home policies in the Shaver Lake area and wrote 174 new ones. Non-renewals in the Shaver Lake area ran above the state's rate: 621 of those policies, or 14.2%, against 8.7% statewide, counting owners who moved or changed insurers too.

The lower foothills had the steepest rates. Tollhouse's 93667 reached 25.6% and Yokuts Valley's 93675 reached 23.1%, while Shaver Lake's 93664 was 6.0%.

The Creek Fire started on September 4, 2020, and burned 379,895 acres in Fresno and Madera counties. CAL FIRE places it on both sides of the San Joaquin River, near Mammoth Pool, Shaver Lake, Big Creek and Huntington Lake.

Its CAL FIRE page, last updated October 21, 2022, counts 856 structures destroyed, 71 damaged and 26 civilians injured.

A September 6, 2020 emergency declaration by the Governor covered Fresno, Madera and Mariposa counties. For one year from that day, insurers could not cancel or non-renew home policies over wildfire risk in the ZIP codes the Department of Insurance listed.

That list, in Bulletin 2020-11, took in eight of the nine ZIP codes on this page, all but Dunlap's 93621. Dunlap joined a year later, when the KNP Complex brought a new bar starting October 22, 2021.

Bulletin 2022-14 then listed Shaver Lake's 93664, Auberry's 93602 and Friant's 93626 for one year from September 19, 2022, after the Fork Fire in Madera County. All three bars have run out, and the Department's list on October 29, 2026, showed no new one for these ZIP codes. Check your ZIP code whenever a new fire is declared.

Two State Fire Marshal maps can apply here: one for the state responsibility area and one for the local responsibility area. Which one covers a home depends on where it sits.

The Fresno County Fire Protection District's Ordinance 2025-02 adopted the State Fire Marshal's 2025 map for its service area "without change." The district's board approved it 7-0 on May 21, 2025, at the second reading.

The adopted map is labeled for unincorporated Fresno County's local responsibility area. Its legend also shows the zones in the state responsibility area, effective April 1, 2024.

The map does not label Shaver Lake, so it cannot tell you your home's zone. Look up your address on the state's map instead.

The Department of Insurance says a zone shapes local rules, not your insurance price. Its April 4, 2025 alert says insurers set prices and choose homes with their own wildfire models and "not the Fire Hazard Severity Zone maps."

No Fresno County agency, the county and its fire protection district included, made the 2026 list of Fire Risk Reduction Communities. To get on it, an agency's wildfire planning has to pass the Board of Forestry and Fire Protection's review.

By the Census Bureau's count for 2020 to 2024, 31.0% of the Shaver Lake area's housing units are seasonal homes. The state as a whole stands at 2.4%.

Around the lake the share is far higher: about four in five homes in Shaver Lake's 93664, by the same survey.

An empty cabin changes what an insurer needs to know. Tell your insurer how many months the house sits empty and who checks on it, and read your policy's vacancy limits before the snow.

Casa's questionnaire asks whether the house is your main home or a second or seasonal one. A lake cabin goes through it too, with a few added questions about how the cabin is used.

Start with what the FAIR Plan leaves out. At a lake cabin left empty for the winter, a frozen pipe or a break-in can go unnoticed for weeks, and a FAIR Plan policy pays for neither. It covers fire and smoke, with wind and hail only as add-ons, and it does not pay if someone is hurt on your property.

The answer to those gaps is a full policy that replaces the FAIR Plan. Ask standard insurers first, and specialty insurers after them.

If one says yes, the change can happen in the middle of the year. The FAIR Plan's own policy lets you cancel in writing at any time, with a refund for the unused part. Leaving the FAIR Plan mid-term goes best with the new policy already in place.

Bring these to every quote request:

• Your roof type, its age and any paperwork that proves it.
• Photos with dates showing the ground cleared around the house each season.
• Receipts for ember-resistant vents or other wildfire upgrades.
• The months the house sits empty, if it is a second home.
• The date and type of any claim in the past five years.