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The insurance picture where you live

California's insurance market did not tighten evenly. The state's own published data shows where homes ended up on the last-resort program, and the pattern is sharply local.

These guides cover what the state's numbers say about your county or town, and what they do not say. They also cover what is still worth testing about your own home. Concentration in a ZIP code is a pattern, not a verdict on one house.

  1. More Placerville homes are on the FAIR Plan than anywhere else in California.About 7,400 homes in Placerville's 95667 are on California's FAIR Plan, the largest count in the state. Why it tightened, and where else it comes from.5 min read
  2. Truckee's FAIR Plan policy count more than doubled in five years. Your options did not shrink to match.About 6,300 Truckee homes are on California's FAIR Plan, a count that has more than doubled in five years. What is driving the shift in 96161.5 min read
  3. Three of California's five largest FAIR Plan ZIP codes sit on one mountain.Big Bear Lake, Big Bear City, and Lake Arrowhead hold three of California's five largest FAIR Plan ZIP codes. What happened, and the paths still open.5 min read
  4. In Grass Valley and Nevada City, thousands of homes landed on the FAIR Plan. Yours does not have to stay there.Close to 14,000 homes across Grass Valley and Nevada City are on California's FAIR Plan. Why the foothills tightened, and where coverage comes from.5 min read
  5. In Sonora, the FAIR Plan, the state's fallback fire insurance program, became the default. It does not have to be yours.About 5,100 homes in Sonora's 95370 are on California's FAIR Plan. Why coverage got hard here, and where it still exists beyond the FAIR Plan.5 min read
  6. FAIR Plan policies in South Lake Tahoe more than doubled. The search does not end there.FAIR Plan policies in South Lake Tahoe's 96150 more than doubled in five years, to about 5,100. Why it happened, and where coverage still comes from.5 min read
  7. Home insurance in Fallbrook changed in five years. Your options are wider than they feel.Fallbrook's 92028 went from about 600 to about 3,800 FAIR Plan policies in five years. What is driving it, and the coverage options beyond the FAIR Plan.5 min read
  8. In Ramona, the FAIR Plan roughly tripled in five years. It is still not your only option.Ramona's 92065 has about 3,800 FAIR Plan policies after tripling in five years. Why the backcountry is concentrated, and the coverage options you have.5 min read
  9. In Temecula and Murrieta, the insurance squeeze is mostly about access, not fire.Temecula's 92592 has about 2,500 FAIR Plan homes, a ninefold rise in five years, mostly about market access, not fire. What it means for you.6 min read
  10. Corona, Lake Elsinore, and Beaumont are where California's insurance shortage is landing now.Corona's 92883 FAIR Plan homes grew from under 200 to about 2,400 in five years. Why the shortage hit these inland cities, and what still works.6 min read
  11. Home insurance in the Oakland and Orinda hills changed more than almost anywhere in California.Orinda's 94563 FAIR Plan homes grew from about 160 to 2,700 in five years, the state's largest relative jump. What is driving the East Bay hills squeeze.6 min read
  12. Home insurance in Malibu, Calabasas, and the Los Angeles hills tightened early, and it has not let up.Four Los Angeles hill ZIP codes, from Malibu to the Hollywood Hills, rank among the state's largest FAIR Plan concentrations. Why the squeeze came early.6 min read
  13. El Dorado County sits at the center of the FAIR Plan map. It is not the end of the market.Placerville holds more FAIR Plan policies than any California ZIP code, and El Dorado County has three more nearby. What it means for your renewal.6 min read
  14. Nevada County's insurance market thinned. It did not close.Truckee, Grass Valley, and Nevada City hold four of California's 40 largest FAIR Plan concentrations. Why the market thinned and what still writes here.6 min read
  15. In the San Bernardino Mountains, the insurance squeeze came early. The market did not empty.The California FAIR Plan concentrates heavily in the San Bernardino Mountains, from Lake Arrowhead to Big Bear. Where coverage still comes from.6 min read
  16. Inland Riverside County's insurance problem is mostly not about fire. That changes your options.Temecula, Corona, Beaumont, and Lake Elsinore show the steepest California FAIR Plan growth in the state, and it is not mostly about wildfire.6 min read
  17. Home insurance in Butte County is hard right now. It is not impossible.Oroville and Paradise hold Butte County's largest California FAIR Plan concentrations. Why the foothill market tightened, and where coverage comes from.6 min read
  18. In Tuolumne and Calaveras Counties, the FAIR Plan is not the whole market.Sonora and Arnold hold two of California's ten largest FAIR Plan concentrations. Why the foothills tightened first, and where coverage still comes from.5 min read
  19. The San Diego backcountry has an insurance problem. It also has a market.Fallbrook, Ramona, Alpine, and Valley Center are among California's largest FAIR Plan concentrations, and the order to search the market in.6 min read
  20. Home insurance in the East Bay hills changed in a hurry. Here is where you stand.Orinda's ZIP code has the largest relative jump in California FAIR Plan concentration in the state's top 40. What the East Bay hills numbers mean.5 min read

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