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.
Altadena
Can you still get home insurance in Altadena?Amador County
How hard is it to insure a home in Amador County?Auburn and the Placer foothills
Who still insures homes in Auburn and the Placer foothills?Bel Air, Brentwood and Beverly Hills
Is the FAIR Plan the only option in Bel Air, Brentwood or Beverly Hills?Big Bear Lake and Lake Arrowhead
In Big Bear and Lake Arrowhead, three of California's five largest FAIR Plan ZIP codes sit on one mountain.Butte County
Home insurance in Butte County is hard right now. It is not impossible.Carmel, Carmel Valley and Big Sur
What should you know about insuring a home in Carmel, Carmel Valley or Big Sur?Corona, Lake Elsinore, and Beaumont
Corona, Lake Elsinore, and Beaumont are where California's insurance shortage is landing now.El Dorado County
El Dorado County sits at the center of the FAIR Plan map. It is not the end of the market.Escondido
Is Escondido's FAIR Plan count still climbing in 2026?Fallbrook
Home insurance in Fallbrook changed in five years. Your options are wider than they feel.Grass Valley and Nevada City
In Grass Valley and Nevada City, thousands of homes landed on the FAIR Plan. Yours does not have to stay there.Kern River Valley
Is the Kern River Valley one of California's harder places to insure a home?Lake County
What do Lake County's fires and floods mean for your home insurance?Malibu and Calabasas
Home insurance in Malibu, Calabasas, and the Los Angeles hills tightened early, and it has not let up.Marin County
Does Marin County count as high wildfire risk for home insurance?Mariposa County
Why is home insurance so hard to find in Mariposa County?Mendocino County
From Ukiah to Gualala, is home insurance harder to get in Mendocino County?Nevada County
Nevada County's insurance market thinned. It did not close.North Lake Tahoe
What has changed for home insurance in North Lake Tahoe?Oakhurst and eastern Madera County
How does Oakhurst compare with the rest of California for home insurance?Oakland and Orinda hills
Home insurance in the Oakland and Orinda hills changed more than almost anywhere in California.Ojai
Has the FAIR Plan stopped growing in Ojai?Pacific Palisades
How do you insure a Pacific Palisades home after the fire?Perris and Menifee
Has the FAIR Plan grown faster in Perris and Menifee than in the rest of California?Placerville
Placerville's 95667 holds more FAIR Plan policies than any other ZIP code in California.Plumas County and Lake Almanor
Does the Dixie Fire still affect home insurance in Plumas County?Ramona
In Ramona, FAIR Plan policies more than doubled from 2022 to 2026. You still have options.Redding and Shasta County
Is the FAIR Plan becoming common in Redding and Shasta County?Riverside County (inland)
In seven Riverside County ZIP codes, about half of FAIR Plan homes rate High for wildfire.San Bernardino Mountains
In the San Bernardino Mountains, the insurance squeeze came early. The market did not empty.San Diego backcountry
The San Diego backcountry has an insurance problem. It also has a market.San Luis Obispo County
What sets San Luis Obispo County apart for home insurance?Santa Barbara and Montecito
Where are the FAIR Plan homes in Santa Barbara and Montecito?Santa Clarita Valley
Does the FAIR Plan hold four times its 2022 count in the Santa Clarita Valley?Santa Cruz County
How has the CZU Fire shaped home insurance in Santa Cruz County?Shaver Lake
Does a Shaver Lake home have to stay on the FAIR Plan?Simi Valley and Moorpark
Where do Simi Valley and Moorpark rank for FAIR Plan growth in California?Siskiyou County
Do Siskiyou County homes depend on the FAIR Plan more than in 2022?Sonoma County
Which Sonoma County towns rely most on the FAIR Plan?Sonora
In Sonora, the FAIR Plan became the default. It does not have to be yours.South Lake Tahoe
FAIR Plan policies in South Lake Tahoe rose over 80% from 2022 to 2026. Keep searching.South Los Angeles
Is the FAIR Plan new to South Los Angeles?Sylmar, Sunland and Tujunga
How does the FAIR Plan rate wildfire risk in Sylmar, Sunland and Tujunga?Tehachapi and Frazier Park
What is home insurance like around Tehachapi and Frazier Park?Temecula and Murrieta
In Temecula and Murrieta, most FAIR Plan homes fall outside the Plan's High wildfire tier.Three Rivers
What happened to home insurance in Three Rivers after the 2021 fires?Topanga
Is most of Topanga on the FAIR Plan?Trabuco Canyon and Silverado
Is home insurance the same in Trabuco Canyon, Silverado and Rancho Santa Margarita?Trinity County
Can a Trinity County home be insured outside the FAIR Plan?Truckee
Truckee's FAIR Plan policy count nearly doubled from 2022 to 2026. You still have options.Tuolumne and Calaveras Counties
In Tuolumne and Calaveras Counties, the FAIR Plan is not the only place to look.Wrightwood, Phelan and Pinon Hills
Where does home insurance stand in Wrightwood, Phelan and Pinon Hills?Yucaipa, Redlands and Mentone
Do Yucaipa, Redlands and Mentone homes have choices besides the FAIR Plan?
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.
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