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Data report · California FAIR Plan key statistics · Updated November 10, 2026

California apartment buildings on the FAIR Plan

How many apartment and other commercial buildings rely on California’s insurer of last resort, by ZIP code and county, from the FAIR Plan’s own figures as of September 30, 2026. Searchable, downloadable and free to cite.

As of September 30, 2026, the California FAIR Plan had 8,932 “Commercial Habitational” policies in force, its category for apartment and similar residential buildings, insuring $23.6 billion, which is 52% of its $45.5 billion commercial exposure, and that commercial exposure is 5.6 times what it was on September 30, 2022 ($8.1 billion).

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By Sam Alishahi, independent insurance broker · FAIR Plan figures as of 2026-09-30

As of September 30, 2026

Apartment buildings on the FAIR Plan, statewide

8,932“Commercial Habitational” policies in force, 43.5% of the FAIR Plan’s 20,544 commercial policies

$23.6 billioninsured under those policies, 52% of the FAIR Plan’s $45.5 billion commercial exposure

58%of those policies (5,162) are ones the FAIR Plan itself scores as low wildfire risk

5.6×the commercial insured value of 2022: $8.1 billion then, $45.5 billion now, for all commercial policies

ZIP lookup

Your ZIP code, by the numbers

FAIR Plan commercial policies in any California ZIP code as of September 30, 2026, next to its county and the state. Counts are policies, not buildings. 1,424 ZIP codes have at least one commercial policy and 1,180 have at least one Commercial Habitational policy.

90265 · Malibu, Los Angeles County example

FAIR Plan, Sept. 30, 2026	ZIP 90265	Los Angeles County	California
Commercial Habitational policies	115	3,023	8,932
Habitational insured value	$483.6M	$7.56B	$23.58B
Habitational premium	$2.6M	$39.3M	$114.0M
Wildfire score: low / medium / high	2 / 85 / 28	2,470 / 382 / 171	5,162 / 1,953 / 1,817
Retail policies	36	1,531	4,508
Office building policies	19	526	1,822
All commercial policies	222	6,784	20,544
All commercial insured value	$755.5M	$13.92B	$45.47B
All commercial policies, Sept. 30, 2022	112	3,157	7,302

FAIR Plan region: Southern CA. The FAIR Plan flags this ZIP as a distressed area.

Five years

FAIR Plan commercial policies, 2022 to 2026

All commercial policies in force and the value they insure at each fiscal year end, September 30. The FAIR Plan publishes no five-year series for apartment buildings alone, so this chart covers every commercial category together.

What the data shows

Most of these policies are not scored as high wildfire risk. The FAIR Plan gives each commercial policy a wildfire risk score of low, medium or high. Of its 8,932 Commercial Habitational policies, 5,162 (58%) are scored low, 1,953 medium and 1,817 high. In Los Angeles County, 2,470 of 3,023 (82%) are scored low. The files do not say why a building is on the FAIR Plan; they do show that most apartment policies there are not ones it rates as high wildfire risk.

Los Angeles County holds 34% of them. 3,023 Commercial Habitational policies insuring $7.6 billion, for $39 million in premium. San Diego County is next with 602 policies ($2.3 billion), then San Bernardino County with 530 ($819 million). Every one of California’s 58 counties has at least one.

There are 2.8 times as many commercial policies as in 2022, insuring 5.6 times the value. The FAIR Plan had 7,302 commercial policies on September 30, 2022 and 20,544 on September 30, 2026; the value insured went from $8.1 billion to $45.5 billion. In the last year the count was flat: 20,718 policies on September 30, 2025 and 20,544 a year later, while insured value fell 7% (from $48.8 billion to $45.5 billion). These totals are for all commercial policies; the apartment split exists only for the 2026 snapshot.

The average apartment policy insures about $2.6 million. $23.6 billion across 8,932 policies, for $114 million in premium: about $12,766 a policy, or about $0.48 per $100 insured. 107 of the policies are in the FAIR Plan’s separate files for policies over $20 million and together account for $3.4 billion.

The 15 counties with the most apartment policies on the FAIR Plan

Ranked by Commercial Habitational policies in force on September 30, 2026. Counties with the same count share a rank. Every county is in the sortable table.

#	County	Habitational policies	Insured value	Premium	Scored low wildfire risk	All commercial policies	All commercial, 2022
1	Los Angeles	3,023	$7.56B	$39.3M	2,470 (82%)	6,784	3,157
2	San Diego	602	$2.31B	$8.3M	306 (51%)	1,152	299
3	San Bernardino	530	$819.3M	$4.3M	187 (35%)	1,181	459
4	Alameda	463	$1.23B	$5.3M	422 (91%)	815	166
5	Riverside	453	$738.0M	$3.5M	166 (37%)	926	258
6	Orange	275	$980.7M	$3.5M	180 (65%)	529	92
7	San Francisco	270	$909.0M	$3.1M	270 (100%)	456	115
8	El Dorado	212	$608.0M	$3.3M	2 (1%)	607	209
9	Santa Barbara	188	$656.4M	$3.4M	115 (61%)	345	76
10	Ventura	179	$569.0M	$2.4M	104 (58%)	396	87
11	Sonoma	178	$582.1M	$3.3M	68 (38%)	480	202
12	Nevada	168	$604.9M	$2.9M	1 (1%)	519	139
13	Placer	153	$609.3M	$2.7M	5 (3%)	350	99
14	Santa Clara	135	$493.9M	$2.4M	105 (78%)	245	60
15	Kern	128	$239.8M	$1.2M	68 (53%)	359	115

The top 25 ZIP codes

Ranked by Commercial Habitational policies in force; ZIP codes with the same count share a rank. The wildfire column counts the policies the FAIR Plan scores low, medium and high.

#	ZIP	Place	County	Habitational policies	Insured value	Premium	Wildfire score: low / medium / high	All commercial policies
1	90265	Malibu	Los Angeles	115	$483.6M	$2.6M	2 / 85 / 28	222
2	96150	South Lake Tahoe	El Dorado	109	$386.9M	$2.0M	1 / 80 / 28	182
3	92315	Big Bear Lake	San Bernardino	80	$122.6M	$681K	3 / 64 / 13	161
4	96161	Truckee	Nevada	60	$376.1M	$1.5M	1 / 20 / 39	115
5	90044	Los Angeles	Los Angeles	56	$81.0M	$473K	56 / 0 / 0	117
6	95370	Sonora	Tuolumne	53	$53.5M	$336K	0 / 16 / 37	188
7	90046	Los Angeles	Los Angeles	52	$157.2M	$965K	47 / 5 / 0	62
8	90201	Bell Gardens	Los Angeles	51	$106.9M	$453K	51 / 0 / 0	101
9	90255	Huntington Park	Los Angeles	50	$78.9M	$313K	50 / 0 / 0	110
10	92352	Lake Arrowhead	San Bernardino	47	$82.9M	$487K	0 / 18 / 29	74
10	94606	Oakland	Alameda	47	$110.2M	$513K	46 / 1 / 0	81
10	95945	Grass Valley	Nevada	47	$125.1M	$653K	0 / 33 / 14	186
13	90262	Lynwood	Los Angeles	44	$61.7M	$255K	44 / 0 / 0	95
13	92549	Idyllwild	Riverside	44	$81.8M	$433K	0 / 0 / 44	130
15	94102	San Francisco	San Francisco	43	$197.1M	$455K	43 / 0 / 0	59
15	95667	Placerville	El Dorado	43	$76.4M	$499K	0 / 10 / 33	170
17	90210	Beverly Hills	Los Angeles	42	$232.0M	$1.5M	24 / 16 / 2	54
18	90301	Inglewood	Los Angeles	41	$74.0M	$303K	41 / 0 / 0	66
18	93546	Mammoth Lakes	Mono	41	$318.5M	$2.1M	1 / 39 / 1	66
20	92651	Laguna Beach	Orange	40	$124.7M	$579K	9 / 29 / 2	75
20	94109	San Francisco	San Francisco	40	$179.4M	$631K	40 / 0 / 0	49
22	90280	South Gate	Los Angeles	39	$49.2M	$204K	39 / 0 / 0	117
22	90813	Long Beach	Los Angeles	39	$46.4M	$236K	39 / 0 / 0	75
22	92314	Big Bear City	San Bernardino	39	$27.6M	$168K	0 / 20 / 19	76
22	92530	Lake Elsinore	Riverside	39	$40.3M	$189K	10 / 18 / 11	68

Ranked by insured value instead, the largest are 90265 Malibu (115 policies, $484 million), 96150 South Lake Tahoe (109 policies, $387 million), 96161 Truckee (60 policies, $376 million), 93546 Mammoth Lakes (41 policies, $318 million) and 93108 Santa Barbara (32 policies, $236 million). A ranking by value can turn on one or two large policies, so read it with the policy counts.

Retail, office and other commercial buildings

The same files split every commercial policy into six categories. Retail is the second largest by policy count: 4,508 policies insuring $8.7 billion. Office Buildings account for 1,822 policies and $3.3 billion. Across all six, the FAIR Plan had 20,544 commercial policies insuring $45.5 billion for $199 million in premium; 174 of them are in its over-$20-million files, $5.3 billion in total.

FAIR Plan category	Policies	Share of commercial policies	Insured value	Share of insured value	Premium
Commercial Habitational	8,932	43.5%	$23.58B	51.8%	$114.0M
Retail	4,508	21.9%	$8.75B	19.2%	$39.5M
Office Buildings	1,822	8.9%	$3.31B	7.3%	$9.6M
Manufacturing	801	3.9%	$2.56B	5.6%	$10.9M
Agricultural	298	1.5%	$545.0M	1.2%	$1.5M
Other	4,183	20.4%	$6.73B	14.8%	$23.1M
All commercial	20,544	100%	$45.47B	100%	$198.6M

Use this chart

Use it with a link back. Paste this into your page or article:

<a href="https://alishahiinsurance.com/california-apartment-buildings-on-the-fair-plan"><img src="https://alishahiinsurance.com/data/california-apartment-buildings-on-the-fair-plan.svg" alt="California FAIR Plan commercial policies in force and insured value, 2022 to 2026" width="720" style="max-width:100%;height:auto"></a><br><small>Source: <a href="https://alishahiinsurance.com/california-apartment-buildings-on-the-fair-plan">Alishahi Insurance tabulation of California FAIR Plan data</a></small>

All counties

Every county, sortable

Click a column to sort. “Scored low”, “Medium” and “High” count Commercial Habitational policies by the FAIR Plan’s wildfire risk score. County figures are sums of the FAIR Plan’s ZIP code rows.

Rank	County	Habitational policies	Habitational insured value	Habitational premium	Scored low	Medium	High	Retail policies	Office policies	All commercial policies	All commercial insured value	All commercial policies, 2022
1	Los Angeles	3,023	$7.56B	$39.3M	2,470	382	171	1,531	526	6,784	$13.92B	3,157
2	San Diego	602	$2.31B	$8.3M	306	137	159	232	90	1,152	$3.44B	299
3	San Bernardino	530	$819.3M	$4.3M	187	162	181	253	144	1,181	$1.75B	459
4	Alameda	463	$1.23B	$5.3M	422	34	7	148	44	815	$2.16B	166
5	Riverside	453	$738.0M	$3.5M	166	122	165	180	86	926	$1.81B	258
6	Orange	275	$980.7M	$3.5M	180	87	8	92	51	529	$1.84B	92
7	San Francisco	270	$909.0M	$3.1M	270	0	0	112	27	456	$1.34B	115
8	El Dorado	212	$608.0M	$3.3M	2	103	107	169	49	607	$1.14B	209
9	Santa Barbara	188	$656.4M	$3.4M	115	56	17	44	30	345	$1.09B	76
10	Ventura	179	$569.0M	$2.4M	104	58	17	72	42	396	$1.04B	87
11	Sonoma	178	$582.1M	$3.3M	68	60	50	95	42	480	$1.37B	202
12	Nevada	168	$604.9M	$2.9M	1	59	108	136	78	519	$1.37B	139
13	Placer	153	$609.3M	$2.7M	5	54	94	70	33	350	$918.2M	99
14	Santa Clara	135	$493.9M	$2.4M	105	19	11	40	19	245	$824.8M	60
15	Kern	128	$239.8M	$1.2M	68	41	19	87	37	359	$510.5M	115
16	San Mateo	119	$300.2M	$1.2M	79	33	7	48	11	226	$535.9M	34
17	Santa Cruz	115	$247.0M	$1.3M	28	16	71	45	17	244	$527.9M	55
18	Monterey	113	$301.2M	$1.4M	53	48	12	53	24	251	$663.8M	49
19	Tuolumne	111	$162.8M	$1.1M	0	17	94	97	47	354	$551.1M	117
20	Marin	110	$379.5M	$1.6M	21	64	25	38	19	198	$628.1M	42
21	Fresno	99	$257.0M	$1.4M	61	8	30	46	22	231	$461.9M	97
22	Mendocino	97	$197.0M	$1.1M	36	45	16	50	25	243	$396.0M	71
23	Napa	95	$296.3M	$1.8M	35	30	30	92	26	355	$1.24B	216
23	Contra Costa	95	$237.1M	$1.0M	61	25	9	34	15	218	$429.4M	38
25	San Luis Obispo	92	$140.1M	$773K	40	38	14	34	6	182	$321.6M	58
26	Calaveras	76	$179.1M	$918K	0	31	45	61	31	279	$429.5M	130
27	Mono	74	$390.9M	$2.6M	11	47	16	17	12	116	$501.0M	34
28	Shasta	72	$94.6M	$599K	12	28	32	44	31	213	$310.5M	41
29	Siskiyou	62	$162.4M	$1.0M	9	19	34	61	28	257	$339.7M	62
30	Mariposa	59	$141.4M	$1.0M	0	4	55	39	25	168	$287.1M	44
31	Plumas	55	$101.9M	$679K	0	18	37	50	31	193	$249.1M	72
32	Sacramento	53	$149.5M	$562K	53	0	0	27	7	113	$269.0M	23
33	Madera	48	$97.7M	$611K	3	8	37	56	16	178	$304.3M	46
33	Lake	48	$63.8M	$399K	5	21	22	42	11	160	$220.1M	66
35	Butte	47	$80.6M	$476K	10	8	29	61	20	214	$347.0M	107
35	Amador	47	$99.4M	$528K	5	25	17	52	19	183	$275.6M	97
35	San Joaquin	47	$136.3M	$692K	47	0	0	25	10	116	$319.0M	44
38	Humboldt	45	$82.9M	$342K	12	20	13	25	15	114	$190.8M	34
39	Tulare	42	$53.9M	$337K	18	7	17	10	7	78	$94.0M	26
40	Solano	27	$52.7M	$241K	26	0	1	19	6	73	$149.4M	13
41	Stanislaus	19	$42.6M	$228K	19	0	0	3	4	49	$226.2M	9
42	Sierra	16	$35.5M	$220K	2	0	14	12	6	37	$49.9M	16
43	Trinity	14	$27.0M	$214K	1	3	10	26	6	59	$62.6M	22
44	Tehama	13	$14.0M	$107K	7	1	5	13	4	63	$72.9M	13
45	Merced	11	$20.3M	$112K	10	1	0	4	1	34	$127.2M	4
46	Imperial	9	$19.7M	$83K	9	0	0	11	3	31	$56.2M	10
46	Del Norte	9	$15.7M	$61K	2	7	0	3	1	20	$32.4M	9
48	Yuba	6	$8.3M	$51K	1	0	5	12	3	35	$35.6M	20
48	Yolo	6	$6.3M	$36K	4	2	0	7	4	25	$82.1M	6
48	San Benito	6	$7.5M	$58K	2	3	1	6	1	18	$41.2M	5
51	Modoc	3	$2.5M	$19K	3	0	0	9	5	26	$20.5M	3
51	Lassen	3	$6.9M	$52K	1	1	1	2	3	11	$13.2M	4
51	Inyo	3	$6.1M	$44K	2	1	0	5	0	9	$12.8M	3
51	Colusa	3	$8.7M	$78K	1	0	2	0	0	4	$9.0M	1
55	Sutter	2	$26.7M	$73K	2	0	0	2	1	7	$43.8M	1
55	Alpine	2	$1.8M	$20K	0	0	2	3	1	6	$8.1M	5
57	Kings	1	$4.6M	$19K	1	0	0	2	0	6	$11.4M	2
57	Glenn	1	$5.9M	$31K	1	0	0	1	0	3	$7.1M	0

What this means for an apartment owner

The FAIR Plan is California’s insurer of last resort. It is there so a building can keep fire insurance when standard insurers will not write it, and it is not meant to be a full package. Its policy is a named-perils fire policy: it covers fire or lightning, internal explosion and smoke, with optional add-ons such as extended coverage and vandalism. It does not include liability, and it leaves out causes of loss such as theft and water damage.

For that reason, owners who end up on the FAIR Plan usually pair it with a difference in conditions (DIC) policy, which is written to cover what the FAIR Plan leaves out, and carry liability coverage separately. The two need to be set up together so the limits and dates line up. Being on the FAIR Plan is also not permanent: a building can move back to a standard insurer when one will take it, so it is worth having the market checked at each renewal.

Method and caveats

Every figure comes from the California FAIR Plan Association’s published Key Statistics & Data, which the FAIR Plan says it updates every quarter. This page uses the snapshot as of September 30, 2026: the policies, exposure and premium by category files for commercial policies under and over $20 million, added together, and the five-year commercial files by ZIP code. The source is a set of PDF tables; we tabulated them, and our ZIP rows add up exactly to the FAIR Plan’s own statewide totals.

Counts are policies, not buildings. One policy can cover more than one building, and the files say nothing about the number of units.
The categories are the FAIR Plan’s. “Commercial Habitational” is its label and is not defined on its statistics page. We describe it as apartment and similar residential buildings; it may include other residential property written on a commercial policy. The low, medium and high wildfire risk scores are also the FAIR Plan’s, and it does not publish how they are set.
The distressed-area flag is the FAIR Plan’s too, and is not defined on its page. 6,037 of the 8,932 Commercial Habitational policies are in ZIP codes it flags. We show the flag in the lookup and the CSV and draw no conclusion from it.
The apartment split exists only for the current snapshot. The five-year trend is for all commercial policies, so this page does not say how fast apartment policies alone have grown.
Commercial policies were flat in the last year (20,718 to 20,544). The growth happened between 2022 and 2025.
County figures are sums of ZIP code rows. The FAIR Plan places each ZIP code in one county, so a ZIP that crosses a county line is counted in only one. 20 of the 7,302 commercial policies in force in 2022 were in ZIP codes with no commercial policy today and are not in the county figures for 2022.
Small numbers are shown as published. Many ZIP codes have one or two policies, and one large policy can dominate a ZIP’s insured value.
No share of the market. The files do not say how many apartment buildings exist in a ZIP code, so this page does not estimate what share of them are on the FAIR Plan. The FAIR Plan notes that totals can differ between its reports depending on the data source; this page uses only its commercial files. Place names are the common name for the ZIP code and are ours, not the FAIR Plan’s.

The figures are the FAIR Plan’s, tabulated by Alishahi Insurance. Alishahi Insurance is not affiliated with the California FAIR Plan Association, and the FAIR Plan has not reviewed this page.

Free to cite. Please credit “California FAIR Plan data, tabulated by Alishahi Insurance” and link to this page. Download every ZIP code: CSV. Questions about the data: sam@alishahiinsurance.com.

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