Where do Simi Valley and Moorpark rank for FAIR Plan growth in California?

Moorpark's rise fell between those of Simi Valley's two ZIP codes. Moorpark's 93021 had 186 FAIR Plan policies in 2022 and 974 by September 30, 2026, a 424% rise.

Simi Valley's 93065 rose faster, 772%, from 226 to 1,970, and Simi Valley's 93063 slower, 346%, from 318 to 1,419. By count, 93065 was 58th in California on September 30, 2026.

The FAIR Plan's own report counted 4,363 residential policies in Simi Valley and Moorpark on September 30, 2026. Simi Valley and Moorpark's count was 730 on September 30, 2022, and California's count grew 150% across the same span.

Simi Valley and Moorpark added 22% in the latest year alone, from 3,573 policies on September 30, 2025.

Before that climb, the FAIR Plan was rarer in Simi Valley and Moorpark than across California. In 2022 it covered 1.8% of insured homes in Simi Valley and Moorpark's three ZIP codes, under the state's 3.2%, by the Department of Insurance's count.

The Woolsey Fire started November 8, 2018, at E Street and Alfa Road, south of Simi Valley. CAL FIRE's incident page, updated July 7, 2025, says it burned 96,949 acres in Los Angeles and Ventura counties. It destroyed 1,643 structures and killed three civilians.

The Easy Fire began October 30, 2019, at West Easy Street and West Los Angeles Avenue in Simi Valley. CAL FIRE's page, last updated October 21, 2022, counts 2,375 acres burned, with one structure destroyed and one damaged.

The Mountain Fire started November 6, 2024, at Balcom Canyon Road and Bradley Road in Somis, in Ventura County. CAL FIRE's figures, updated July 29, 2025, show 243 structures destroyed across 19,904 acres.

The Easy Fire's list put all three Simi Valley and Moorpark ZIP codes under a one-year moratorium. It ran from the Governor's October 27, 2019 declaration, three days before the fire began. For a year, no insurer could cancel or non-renew a home policy in those ZIP codes over wildfire risk.

Bulletin 2024-13 covered the same three ZIP codes for one year from November 7, 2024, during the Mountain Fire, and that moratorium has ended. For any newer one, see which ZIP codes a moratorium covers.

The High tier of the FAIR Plan's wildfire scale held 8% of its 4,363 Simi Valley and Moorpark policies on September 30, 2026. Statewide, it held 37%.

The FAIR Plan's March 31 and September 30, 2026 files label all three Simi Valley and Moorpark ZIP codes distressed, a flag the FAIR Plan carries.

The Department of Insurance's March 6, 2025 list of undermarketed ZIP codes names all three Simi Valley and Moorpark ZIP codes. The Department uses that list for insurers' promises to write more policies in high-risk wildfire areas, under its rule on catastrophe models.

In 2023, 4,196 home policies written outside the FAIR Plan in Simi Valley and Moorpark were non-renewed, 9.0%, against 8.7% statewide, Department of Insurance data show. Research cited by the Department of Insurance on January 13, 2025 puts 75-80% of non-renewals at the customer's request, as in a home sale or a switch.

Second or seasonal homes were 0.2% of Simi Valley and Moorpark housing over 2020 to 2024, the Census Bureau estimates, against 2.4% statewide.

Simi Valley's Ordinance 1370, adopted June 8, 2026, requires a city permit before an owner rents, offers or lists a stay of 30 days or less. Each permit lasts through December 31 and must be renewed each year.

To get a permit, the owner must prove liability coverage of $500,000 or more per occurrence for injuries and property damage tied to the rental. The owner must keep that coverage for as long as the permit runs.

A city building official inspects the home before the first permit and before each renewal. Every listing must show the city permit number, and a person may hold only one permit at a time.

Moorpark's zoning code treats a home or guest house rented for "30 consecutive calendar days or less" as a short-term rental. Its zoning tables mark that use not permitted in every residential and mixed use zone (Sections 17.20.050 and 17.20.070). The city's Code Compliance page adds that homes may be rented for longer periods.

By the Census Bureau's 2020 maps, most of the land in Simi Valley's 93063 and Moorpark's 93021 is unincorporated Ventura County. A sliver of 93021 lies in Thousand Oaks, so check which rules cover your address. Short-term rental insurance rules elsewhere in California shows how other cities compare.

Ask standard insurers for a full homeowners policy first, then specialty insurers, before you renew a FAIR Plan policy.

The 2026 Fire Risk Reduction Community List, which the state Board of Forestry adopted June 17, 2026, includes the Ventura County Fire Protection District. That district is the fire department for Simi Valley and Moorpark, though neither city is listed by name.

The FAIR Plan's community discount, on its November 2025 wildfire discount sheet, is for a home in a listed community. The listing alone does not settle it for a Simi Valley or Moorpark address: the Plan decides, and its sheet calls discounts subject to change.

A FAIR Plan policy is limited to fire and a few named causes of loss, so check how the alternatives compare before renewing one.