Where Home Insurance Is Getting Harder to Keep in California: Non-Renewals by County and ZIP
The Department of Insurance publishes how many residential policies each insurer renewed and did not renew, by county and ZIP code. Statewide, 9.4% of voluntary-market policies that came up for renewal in 2023 were non-renewed or canceled (788,485 of 8,365,178, counting both the insurer's and the policyholder's non-renewals — CDI puts 75–80% of them on the policyholder), little changed from 10.8% in 2015 — but the rate ranges from 6.1% to 18.4% in Tuolumne County, and in the foothill counties the insurer, not the homeowner, ends a far larger share of the policies. This page gives every county and ZIP, who initiated the non-renewals where that split is published, and how many homes have moved to the FAIR Plan. It quotes no premiums and names no insurers.
Read every rate with this caveat (CDI): “Past research shows that 75-80% of non-renewals are initiated by policyholders, for instance when they buy or sell a home or change insurance company. The remaining 20-25% of the total non-renewals are initiated by insurance companies for a variety of reasons. These include wildfire and other risks that no longer meet companies’ underwriting guidelines, fraudulent or missing information in applications, a claim history or liability loss, or companies exiting the market.”
Data as of: county and ZIP counts for calendar 2020–2023 (CDI, published 2025-01-13; next edition expected 2027-Q2); consumer- vs insurer-initiated split 2015–2021 (CDI); share of homes on the FAIR Plan, calendar 2022 (CDI); FAIR Plan policies in force September 30, 2025. Starting in 2020, CDI removed certain types of non-renewals/cancellations, causing a slight reduction in the number of new, renewed, and non-renewed policy counts from prior reports.
Statewide, 2015–2023
| Year | Voluntary renewed | Non-renewed / canceled | Non-renewal rate | Rate in ZIPs with SRA land | FAIR Plan new + renewed | FAIR share of new + renewed |
|---|---|---|---|---|---|---|
| 2015 | 7,412,985 | 899,581 | 10.8% | 10.9% | 141,391 | 1.7% |
| 2016 | 7,476,478 | 916,751 | 10.9% | 11.1% | 141,192 | 1.6% |
| 2017 | 7,510,275 | 918,092 | 10.9% | 11% | 140,312 | 1.6% |
| 2018 | 7,546,700 | 914,187 | 10.8% | 11.1% | 140,447 | 1.6% |
| 2019 | 7,540,135 | 1,022,638 | 11.9% | 13% | 189,790 | 2.1% |
| 2020 | 7,572,809 | 898,064 | 10.6% | 11.3% | 222,091 | 2.5% |
| 2021 | 7,514,564 | 1,037,767 | 12.1% | 12.7% | 246,807 | 2.8% |
| 2022 | 7,578,931 | 899,690 | 10.6% | 11.1% | 275,131 | 3.1% |
| 2023 | 7,576,693 | 788,485 | 9.4% | 10% | 324,954 | 3.8% |
CDI fact sheet (January 13, 2025), Appendix A and Appendix B; policies of four units or fewer from insurers writing $5 million or more (about 98% of the market); renters and condo policies excluded. “ZIPs with SRA land” uses the 2007 State Responsibility Area map. The last column is FAIR Plan new + renewed ÷ (FAIR + voluntary new + renewed); CDI's own headline, which also counts surplus lines, puts the FAIR Plan's share at 1.6% in 2015 and 3.7% in 2023. From 2020 CDI stopped counting certain cancellation types.
Non-renewal rate by county, 2023, with the FAIR Plan alongside
Highest rate first. “Up for renewal” is renewed plus non-renewed policies, and the rate is non-renewed ÷ that figure. CDI's own fact sheets divide by new plus renewed policies instead; statewide the two agree within 0.2 point, but where few new policies are written CDI's ratio runs higher (Tuolumne 21.6% against the 18.4% here, Nevada 20.7% against 18.1%). “Insurer-initiated” is the share of the county's 2021 non-renewals the insurer chose (CDI stopped publishing the split after 2021); statewide it is 20–25%. The FAIR Plan columns come from CDI's county analysis (2023) and the FAIR Plan's own policies-in-force file (2025). “FAIR share of policies 2023” is the FAIR Plan's share of the county's new and renewed residential policies that year; it is a different measure from the “share of homes on FAIR (2022)” on the FAIR Plan page, which counts insured dwelling units from CDI's 2022 file, so the two figures differ for the same county. Each county links to its property-tax guide.
| County | Up for renewal 2023 | Non-renewed 2023 | Rate 2023 | 2020 | Change | Insurer-initiated (2021) | FAIR share of policies 2023 | FAIR policies 9/2025 | DIC policies 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Tuolumne | 14,474 | 2,670 | 18.4% | 17.2% | +1.2 pts | 41.9% | 48.7% | 14,071 | 10,392 |
| Nevada | 30,098 | 5,435 | 18.1% | 15.9% | +2.2 pts | 35.3% | 38.7% | 23,438 | 14,823 |
| Lake | 21,849 | 3,358 | 15.4% | 11.4% | +4 pts | 21.9% | 14.5% | 5,739 | 2,752 |
| Plumas | 7,545 | 1,137 | 15.1% | 10.9% | +4.2 pts | 17.8% | 21.6% | 3,941 | 1,474 |
| Calaveras | 16,506 | 2,481 | 15% | 14.8% | +0.2 pts | 38.3% | 36% | 10,572 | 7,106 |
| Butte | 54,105 | 8,014 | 14.8% | 15.1% | -0.3 pts | 19.9% | 10.9% | 9,392 | 5,672 |
| Shasta | 58,987 | 8,553 | 14.5% | 12.7% | +1.8 pts | 20.1% | 7% | 6,505 | 3,575 |
| Amador | 11,146 | 1,566 | 14% | 14% | 0 pts | 41% | 31% | 6,186 | 4,386 |
| Lassen | 9,583 | 1,284 | 13.4% | 12.3% | +1.1 pts | 21.9% | 12.4% | 1,064 | 1,007 |
| Trinity | 3,827 | 485 | 12.7% | 9.5% | +3.2 pts | 24.3% | 22.8% | 1,440 | 642 |
| El Dorado | 57,127 | 7,215 | 12.6% | 14.9% | -2.3 pts | 36.7% | 25.4% | 28,167 | 16,996 |
| Tehama | 14,930 | 1,877 | 12.6% | 11.9% | +0.7 pts | 20.8% | 4.1% | 1,783 | 449 |
| Alpine | 506 | 63 | 12.5% | 12.7% | -0.2 pts | 30.6% | 33.4% | 392 | 176 |
| Riverside | 610,671 | 74,877 | 12.3% | 14.1% | -1.8 pts | 23.7% | 2.9% | 57,026 | 11,770 |
| Sierra | 1,173 | 144 | 12.3% | 12.3% | 0 pts | 33.3% | 25.6% | 541 | 292 |
| San Bernardino | 484,991 | 57,532 | 11.9% | 12.3% | -0.4 pts | 27.7% | 7.8% | 65,132 | 29,367 |
| Yuba | 20,614 | 2,307 | 11.2% | 13.2% | -2 pts | 17.4% | 6.1% | 1,569 | 1,036 |
| Kern | 214,692 | 23,830 | 11.1% | 12.3% | -1.2 pts | 24.7% | 2.5% | 11,329 | 3,231 |
| Mariposa | 3,734 | 403 | 10.8% | 12.9% | -2.1 pts | 35.4% | 42.1% | 3,404 | 1,956 |
| Mendocino | 24,265 | 2,507 | 10.3% | 9.7% | +0.6 pts | 22.4% | 10.6% | 4,707 | 1,883 |
| San Joaquin | 188,623 | 18,784 | 10% | 11.2% | -1.2 pts | 17.9% | 0.2% | 1,319 | 54 |
| Siskiyou | 15,054 | 1,465 | 9.7% | 11.3% | -1.6 pts | 23.7% | 8.7% | 3,269 | 917 |
| Kings | 30,269 | 2,889 | 9.5% | 10.7% | -1.2 pts | 18.9% | 0.2% | 179 | 10 |
| Modoc | 2,515 | 240 | 9.5% | 11.2% | -1.7 pts | 24.1% | 3.3% | 290 | 37 |
| Placer | 124,713 | 11,809 | 9.5% | 12.8% | -3.3 pts | 24.4% | 9.1% | 18,996 | 11,652 |
| San Diego | 660,081 | 62,683 | 9.5% | 10.8% | -1.3 pts | 21.7% | 3.3% | 59,063 | 17,944 |
| Fresno | 218,731 | 20,662 | 9.4% | 11% | -1.6 pts | 18.3% | 1.6% | 5,821 | 2,235 |
| Madera | 35,832 | 3,362 | 9.4% | 11.9% | -2.5 pts | 23.5% | 9.1% | 5,650 | 3,117 |
| Mono | 4,436 | 411 | 9.3% | 10.1% | -0.8 pts | 21.9% | 14.5% | 1,982 | 534 |
| Sacramento | 414,150 | 38,405 | 9.3% | 11.3% | -2 pts | 16.7% | 0.2% | 2,001 | 379 |
| Los Angeles | 1,698,478 | 155,768 | 9.2% | 9.4% | -0.2 pts | 23.1% | 4.8% | 154,765 | 21,295 |
| Tulare | 105,539 | 9,612 | 9.1% | 10.8% | -1.7 pts | 24.7% | 1.7% | 2,966 | 1,101 |
| Stanislaus | 133,965 | 12,101 | 9% | 10.8% | -1.8 pts | 18% | 0.1% | 743 | 52 |
| Orange | 608,503 | 53,946 | 8.9% | 10.6% | -1.7 pts | 19.3% | 1% | 23,748 | 4,330 |
| Del Norte | 7,122 | 630 | 8.8% | 10.1% | -1.3 pts | 16.4% | 3.1% | 572 | 121 |
| Imperial | 31,996 | 2,831 | 8.8% | 9.6% | -0.8 pts | 30.3% | 0.9% | 661 | 10 |
| Merced | 62,906 | 5,505 | 8.8% | 10.6% | -1.8 pts | 15.6% | 0.2% | 336 | 31 |
| Ventura | 194,270 | 16,898 | 8.7% | 10% | -1.3 pts | 26.6% | 2.3% | 15,010 | 2,987 |
| Sutter | 23,990 | 2,067 | 8.6% | 11.2% | -2.6 pts | 14.1% | 0.1% | 118 | 6 |
| Glenn | 6,654 | 551 | 8.3% | 9.6% | -1.3 pts | 22.7% | 0.4% | 58 | 13 |
| Humboldt | 39,148 | 3,244 | 8.3% | 9% | -0.7 pts | 17.3% | 3.8% | 2,844 | 896 |
| Santa Barbara | 92,275 | 7,668 | 8.3% | 9.7% | -1.4 pts | 26.5% | 3.4% | 6,907 | 1,775 |
| Napa | 37,257 | 3,020 | 8.1% | 8.6% | -0.5 pts | 16.9% | 4.3% | 3,042 | 902 |
| San Luis Obispo | 88,212 | 7,102 | 8.1% | 9.9% | -1.8 pts | 18.9% | 2.1% | 4,771 | 1,235 |
| Solano | 121,965 | 9,823 | 8.1% | 9.5% | -1.4 pts | 13.3% | 0.3% | 1,312 | 183 |
| Inyo | 5,941 | 478 | 8% | 8.7% | -0.7 pts | 16.2% | 1.8% | 303 | 57 |
| San Benito | 17,182 | 1,366 | 8% | 10% | -2 pts | 14% | 1.2% | 388 | 140 |
| Contra Costa | 296,046 | 23,533 | 7.9% | 10.3% | -2.4 pts | 17.8% | 0.7% | 12,837 | 1,751 |
| Sonoma | 142,889 | 11,139 | 7.8% | 8.6% | -0.8 pts | 17.3% | 2.8% | 8,748 | 2,679 |
| Yolo | 50,461 | 3,917 | 7.8% | 9% | -1.2 pts | 15.4% | 0.2% | 251 | 25 |
| Alameda | 344,837 | 26,698 | 7.7% | 9.4% | -1.7 pts | 16% | 1% | 11,694 | 2,380 |
| Santa Clara | 384,239 | 29,435 | 7.7% | 9% | -1.3 pts | 15.3% | 0.7% | 6,200 | 1,897 |
| Colusa | 4,947 | 367 | 7.4% | 9.7% | -2.3 pts | 22.9% | 0.7% | 68 | 14 |
| Monterey | 84,649 | 6,230 | 7.4% | 8.8% | -1.4 pts | 20.2% | 3.4% | 5,402 | 2,386 |
| Santa Cruz | 68,164 | 4,982 | 7.3% | 8.8% | -1.5 pts | 26.7% | 5.5% | 12,796 | 3,377 |
| San Mateo | 162,995 | 10,992 | 6.7% | 8% | -1.3 pts | 15.1% | 0.7% | 3,759 | 955 |
| Marin | 67,737 | 4,260 | 6.3% | 8% | -1.7 pts | 22.1% | 2.4% | 4,361 | 1,179 |
| San Francisco | 125,399 | 7,631 | 6.1% | 7.6% | -1.5 pts | 15.2% | 0.3% | 2,382 | 59 |
“Policies” = renewed + non-renewed in the voluntary market. CDI's county analysis allocates multi-county ZIPs differently from its ZIP file, so county rows and ZIP sums can differ slightly. DIC = Difference in Conditions policies, the companion coverage FAIR Plan policyholders buy (admitted market only).
Who ends the policy: the counties where insurers initiate the most
Statewide, insurers initiated about a fifth to a quarter of non-renewals in the years CDI split the figure (2015–2021). In Tuolumne County the insurer's share was 41.9% in 2021, and in Amador 41%, Calaveras 38.3%, El Dorado 36.7%. Measured against all policies, the insurer-initiated non-renewal rate in Tuolumne was 7.4% in 2021 against 14.6% in 2019; in Los Angeles County it was 2.7% and 2.2%. The same counties lead the FAIR Plan's share of the market and the share of homes in High or Very High fire hazard zones.
The ZIP codes with the highest non-renewal rates, the biggest increases, and the most non-renewals
Highest rate, 2023 (ZIPs with 1,000+ policies)
- 95954 Magalia, Butte: 46.7%
- 95969 Paradise, Butte: 28.5%
- 96088 Shingletown, Shasta: 28.3%
- 95966 Oroville, Butte: 23.9%
- 92372 Pinon Hills, San Bernardino: 23.4%
- 95619 Diamond Springs, El Dorado: 23.2%
- 95946 Penn Valley, Nevada: 23%
- 92371 Phelan, San Bernardino: 22.3%
- 95321 Groveland, Tuolumne: 22%
- 95949 Grass Valley, Nevada: 21.6%
- 95247 Murphys, Calaveras: 21.4%
- 95623 El Dorado, El Dorado: 20.7%
- 95945 Grass Valley, Nevada: 20.2%
- 95370 Sonora, Tuolumne: 19.5%
- 95446 Guerneville, Sonoma: 19.5%
- 95959 Nevada City, Nevada: 19.4%
- 92548 Homeland, Riverside: 19.2%
- 96013 Burney, Shasta: 18.1%
- 96142 Tahoma, El Dorado: 18.1%
- 92397 Wrightwood, San Bernardino: 18%
- 92570 Perris, Riverside: 17.9%
- 93510 Acton, Los Angeles: 17.6%
- 95451 Kelseyville, Lake: 17.5%
- 95666 Pioneer, Amador: 17.4%
- 95228 Copperopolis, Calaveras: 17.2%
Biggest rise, 2020 → 2023 (1,000+ policies)
- 95954 Magalia, Butte: +28.2 pts to 46.7%
- 96088 Shingletown, Shasta: +13.4 pts to 28.3%
- 95619 Diamond Springs, El Dorado: +10.9 pts to 23.2%
- 95446 Guerneville, Sonoma: +10.8 pts to 19.5%
- 92371 Phelan, San Bernardino: +7.3 pts to 22.3%
- 92397 Wrightwood, San Bernardino: +7 pts to 18%
- 95959 Nevada City, Nevada: +6.5 pts to 19.4%
- 92372 Pinon Hills, San Bernardino: +6.4 pts to 23.4%
- 95945 Grass Valley, Nevada: +6.2 pts to 20.2%
- 95451 Kelseyville, Lake: +6.1 pts to 17.5%
- 95971 Quincy, Plumas: +5.9 pts to 16.4%
- 94089 Sunnyvale, Santa Clara: +5.5 pts to 15.7%
- 93543 Littlerock, Los Angeles: +5.3 pts to 17%
- 91331 Pacoima, Los Angeles: +5.3 pts to 13.8%
- 96122 Portola, Plumas: +5.2 pts to 16.2%
- 92878 Corona, Riverside: +5.2 pts to 10.3%
- 95247 Murphys, Calaveras: +4.9 pts to 21.4%
- 92570 Perris, Riverside: +4.9 pts to 17.9%
- 90201 Bell Gardens, Los Angeles: +4.9 pts to 11.3%
- 95423 Clearlake Oaks, Lake: +4.8 pts to 16.7%
- 96103 Blairsden-Graeagle, Plumas: +4.8 pts to 15.2%
- 90221 Compton, Los Angeles: +4.6 pts to 12.4%
- 93510 Acton, Los Angeles: +4.5 pts to 17.6%
- 91901 Alpine, San Diego: +4.4 pts to 16.9%
- 95458 Lucerne, Lake: +4.2 pts to 16.1%
Most non-renewals, 2023
- 92336 Fontana, San Bernardino: 3,099 (11.8%)
- 92345 Hesperia, San Bernardino: 2,967 (13.7%)
- 93535 Lancaster, Los Angeles: 2,580 (14.7%)
- 92223 Beaumont, Riverside: 2,526 (13.5%)
- 95747 Roseville, Placer: 2,452 (8.6%)
- 93550 Palmdale, Los Angeles: 2,425 (15.5%)
- 92503 Riverside, Riverside: 2,412 (12.5%)
- 95630 Folsom, Sacramento: 2,355 (9.8%)
- 93536 Lancaster, Los Angeles: 2,330 (11.8%)
- 93551 Palmdale, Los Angeles: 2,199 (13.7%)
- 91342 Sylmar, Los Angeles: 2,179 (13.6%)
- 92584 Menifee, Riverside: 2,133 (11.8%)
- 92562 Murrieta, Riverside: 2,123 (13.1%)
- 92563 Murrieta, Riverside: 2,123 (10.9%)
- 92592 Temecula, Riverside: 2,113 (9.5%)
- 93306 Bakersfield, Kern: 2,090 (11.5%)
- 92392 Victorville, San Bernardino: 2,073 (12.5%)
- 93307 Bakersfield, Kern: 2,050 (12.6%)
- 95966 Oroville, Butte: 1,986 (23.9%)
- 92509 Riverside, Riverside: 1,970 (12.1%)
- 93065 Simi Valley, Ventura: 1,970 (10.3%)
- 94565 Pittsburg, Contra Costa: 1,966 (8.9%)
- 92530 Lake Elsinore, Riverside: 1,952 (14.1%)
- 94513 Brentwood, Contra Costa: 1,941 (9.2%)
- 96003 Redding, Shasta: 1,933 (14.5%)
Every ZIP code
Loading the ZIP table…
2,171 ZIPs in CDI's 2020–2023 file (51 with no county assigned by CDI). City names and the 2022 FAIR share are from CDI's ZIP table; FAIR policies from the FAIR Plan Association. Download: insurance-nonrenewals-zips.json (CC BY 4.0, attribute CDI and the FAIR Plan Association).
If your policy is non-renewed
- Shop the voluntary market first. The Department of Insurance's Home Insurance Finder (Insurance Code §10095.7) lists companies and licensed brokers selling home insurance near a ZIP code, with a box to narrow it to companies that may write in higher fire-risk areas; CDI says it endorses none of them and that a listed company may not be taking new business. A broker can search for you.
- After a declared wildfire emergency, Insurance Code §675.1 bars an insurer from cancelling or non-renewing a home in a ZIP code within or adjacent to the fire perimeter for one year from the Governor's declaration when the decision is based solely on the wildfire; after a total loss the insurer must offer at least two renewals, no less than 24 months from the date of loss. CDI publishes the ZIP lists for each fire.
- Harden the home. CDI's Safer from Wildfires regulation (10 CCR §2644.9) requires insurers to recognise listed mitigation steps in their rates; the FAIR Plan's own discounts are listed on the FAIR Plan page.
- If no insurer will write it, a broker places the fire coverage with the FAIR Plan and a Difference in Conditions policy for the rest — see how the FAIR Plan works. The FAIR Plan publishes no application turnaround; its Plan of Operation (ed. September 3, 2025, §§V.E and VI.A) requires the inspection report within five days of completion and an eligibility decision within three business days after that, with the policy delivered on payment of the premium.
Sources: California Department of Insurance — Residential Insurance Policy Analysis by County 2020–2023 (report year 2024, posted 2025-01-13) and 2015–2021; Residential Insurance Voluntary Market New / Renew / Non-Renew by ZIP 2020–2023; Number of Residential Dwelling Units Insured in 2022, FAIR Plan vs. Voluntary (by ZIP); Fact Sheet: Summary on Residential Insurance Policies and the FAIR Plan (January 13, 2025); California FAIR Plan Association, policies in force by county and ZIP as of September 30, 2025. Aggregates only; this site sells no insurance, quotes no premiums and lists no insurers. Next CDI edition expected 2027-Q2.
Frequently Asked Questions
What is a non-renewal rate, and what counts as a non-renewal?
The share of voluntary-market residential policies that were not renewed or were canceled in a year: non-renewed ÷ (renewed + non-renewed). It counts every non-renewal, whichever side ended the policy. The Department of Insurance's own research puts 75–80% of non-renewals on the policyholder (moving, selling, switching insurer) and 20–25% on the insurer (risk outside underwriting guidelines, claims history, missing information, or leaving the market). Statewide the rate was 9.4% in 2023 and 10.8% in 2015.
Which California counties have the highest home insurance non-renewal rates?
In 2023: Tuolumne 18.4%, Nevada 18.1%, Lake 15.4%, Plumas 15.1%, Calaveras 15%. These are Sierra foothill and North Coast counties where a large share of homes sit in High or Very High fire hazard zones; in the same counties the insurer-initiated share of non-renewals in 2021 was far above the statewide 20–25%: Tuolumne 41.9%, Amador 41%, Calaveras 38.3%.
Is the non-renewal rate going up?
Not statewide: 10.8% in 2015, a peak of 12.1% in 2021, 9.4% in 2023. What rose is where it happens and who initiates it. The biggest increases from 2020 to 2023 were Plumas (+4.2 pts), Lake (+4 pts), Trinity (+3.2 pts), and the share of residential policies written by the FAIR Plan rose from 1.6% in 2015 to 3.7% in 2023 (CDI). Note that from 2020 CDI stopped counting certain types of cancellations, which lowers the 2020+ counts slightly against earlier years.
How is this related to the FAIR Plan?
When a home loses voluntary coverage and no other insurer will write it, the owner ends up on the FAIR Plan. The county table pairs each county's non-renewal rate with the FAIR Plan's share of its new and renewed policies in 2023 and the FAIR Plan's policies in force on September 30, 2025; the ZIP table adds CDI's 2022 count of homes on the FAIR Plan. Tuolumne County, with the highest non-renewal rate, had 48.7% of its residential policies on the FAIR Plan in 2023.
Do fire hazard zone maps cause non-renewals?
The Department of Insurance says insurers use their own wildfire risk models, not CAL FIRE's Fire Hazard Severity Zone maps, to decide where they write and renew. The maps and the non-renewal data do overlap geographically, and CDI's fact sheet tracks ZIPs with a State Responsibility Area presence separately: those ZIPs had a 10.0% non-renewal rate in 2023 against 9.4% statewide.
What can I do if my policy is non-renewed?
Shop the voluntary market first; the Department of Insurance's Home Insurance Finder (homeinsurancefinder.insurance.ca.gov) lists companies and brokers selling near your ZIP, with an option to narrow it to companies that may write in higher fire-risk areas. If none will, a broker places you on the FAIR Plan plus a separate Difference in Conditions policy; the FAIR Plan publishes no turnaround, but its Plan of Operation requires an eligibility decision within three business days of the inspection report. After a declared wildfire emergency, Insurance Code §675.1 bars insurers from non-renewing homes in ZIPs within or adjacent to the fire perimeter for one year when the decision is based solely on the wildfire, and after a total loss the insurer must offer at least two renewals, no less than 24 months from the date of loss; CDI publishes the ZIP lists. Completing the hardening steps in CDI's Safer from Wildfires regulation earns discounts and is flagged to insurers through the FAIR Plan clearinghouse.