Data study · California Department of Insurance figures, 2020–2023

Where California homeowners are losing their insurance

Every county’s homeowners non-renewals, FAIR Plan growth and difference-in-conditions policies from 2020 to 2023, from the Department of Insurance’s own counts. Sortable, downloadable and free to cite.

Tuolumne County had California’s highest homeowners non-renewal rate in 2023: insurers declined to renew 18.4% of the policies up for renewal there, against 9.4% statewide, followed by Nevada (18.1%) and Lake (15.4%). FAIR Plan policies written or renewed in a year grew from 222,091 in 2020 to 324,954 in 2023 statewide. Look up your ZIP code · Wildfires by county.

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By Sam Alishahi · CA Insurance License #4348151 · Data: California Department of Insurance, report year 2024

The numbers

California, 2020 to 2023

788,485homeowners policies non-renewed in the voluntary market in 2023 (9.4% of policies up for renewal)

+46%growth in FAIR Plan policies, from 222,091 in 2020 to 324,954 in 2023

+99%growth in difference-in-conditions policies, from 104,139 to 207,728

0counties where the 2023 non-renewal share was at least double the statewide share

Hardest hit

The 15 counties with the highest non-renewal share in 2023

The share of voluntary-market policies up for renewal that the insurer did not renew. The dashed line is the statewide share.

Statewide

Fewer non-renewals than the 2021 peak, far more FAIR Plan

Non-renewals peaked at 1,037,767 in 2021 and fell to 788,485 in 2023, while FAIR Plan policies kept climbing every year. New voluntary-market policies fell from 1,007,422 in 2020 to 724,037 in 2023.

What the data shows

The foothill and mountain counties carry the heaviest load. The ten highest 2023 non-renewal shares were Tuolumne (18.4%), Nevada (18.1%), Lake (15.4%), Plumas (15.1%), Calaveras (15.0%), Butte (14.8%), Shasta (14.5%), Amador (14.0%), Lassen (13.4%), Trinity (12.7%). Each is well above the statewide 9.4%.

FAIR Plan policies grew in 57 of 58 counties, fastest in wine country and on the Central Coast. Among counties that had at least 500 FAIR Plan policies in 2020, the fastest growth through 2023 was in Sonoma (+268%), Santa Cruz (+207%), Lake (+173%), Napa (+171%), San Luis Obispo (+160%). The FAIR Plan covers fire and a few other perils, but not liability, theft or water damage, which is why difference-in-conditions policies grew alongside it (what the FAIR Plan doesn’t cover).

Los Angeles County is large, not extreme. Its 2023 non-renewal share was 9.2%, near the statewide figure, but that was still 155,768 non-renewed policies, the most of any county, and 85,478 FAIR Plan policies (+3% since 2020).

Southern California

County	Non-renewal share 2023	Non-renewed 2023	FAIR Plan policies 2023	FAIR Plan, 2020→2023
Riverside	12.3%	74,877	18,307	+125%
San Bernardino	11.9%	57,532	40,424	+41%
San Diego	9.5%	62,683	22,320	+110%
Los Angeles	9.2%	155,768	85,478	+3%
Orange	8.9%	53,946	6,268	+79%
Ventura	8.7%	16,898	4,550	+142%
Santa Barbara	8.3%	7,668	3,192	+106%

If your policy was non-renewed

California generally requires 75 days’ notice before a non-renewal takes effect, so there is time to shop. Admitted carriers first, then surplus lines markets, and the FAIR Plan with a difference-in-conditions policy as the fallback. Get a dated 75-day plan or read what to do.

All 58 counties

Every county, sortable

Click a column to sort. Policy counts are the voluntary market unless labeled FAIR Plan or DIC (difference-in-conditions).

County	Non-renewal share 2023	Non-renewed 2023	Voluntary policies, 2020→2023	FAIR Plan policies 2023	FAIR Plan, 2020→2023	DIC policies 2023
Tuolumne	18.4%	2,670	-27%	11,722	+39%	10,392
Nevada	18.1%	5,435	-23%	16,560	+60%	14,823
Lake	15.4%	3,358	-17%	3,364	+173%	2,752
Plumas	15.1%	1,137	-17%	1,877	+81%	1,474
Calaveras	15.0%	2,481	-21%	8,351	+54%	7,106
Butte	14.8%	8,014	-12%	6,214	+115%	5,672
Shasta	14.5%	8,553	-9%	4,201	+138%	3,575
Amador	14.0%	1,566	-15%	4,620	+45%	4,386
Lassen	13.4%	1,284	-12%	1,270	+107%	1,007
Trinity	12.7%	485	-17%	1,020	+29%	642
El Dorado	12.6%	7,215	-15%	18,167	+49%	16,996
Tehama	12.6%	1,877	-7%	623	+113%	449
Alpine	12.5%	63	-22%	231	+80%	176
Sierra	12.3%	144	-16%	370	+59%	292
Riverside	12.3%	74,877	-3%	18,307	+125%	11,770
San Bernardino	11.9%	57,532	-5%	40,424	+41%	29,367
Yuba	11.2%	2,307	+1%	1,326	+59%	1,036
Kern	11.1%	23,830	-1%	5,580	+40%	3,231
Mariposa	10.8%	403	-29%	2,471	+74%	1,956
Mendocino	10.3%	2,507	-9%	2,727	+117%	1,883
San Joaquin	10.0%	18,784	+2%	460	-2%	54
Siskiyou	9.7%	1,465	-9%	1,380	+109%	917
Kings	9.5%	2,889	+1%	56	+107%	10
Modoc	9.5%	240	-6%	84	+265%	37
San Diego	9.5%	62,683	-4%	22,320	+110%	17,944
Placer	9.5%	11,809	-2%	12,397	+63%	11,652
Fresno	9.4%	20,662	-1%	3,522	+31%	2,235
Madera	9.4%	3,362	-2%	3,580	+79%	3,117
Sacramento	9.3%	38,405	-1%	730	+38%	379
Mono	9.3%	411	-13%	716	+103%	534
Los Angeles	9.2%	155,768	-3%	85,478	+3%	21,295
Tulare	9.1%	9,612	-0%	1,824	+78%	1,101
Stanislaus	9.0%	12,101	-2%	162	+76%	52
Orange	8.9%	53,946	-3%	6,268	+79%	4,330
Imperial	8.8%	2,831	-2%	272	+5%	10
Del Norte	8.8%	630	-6%	221	+207%	121
Merced	8.8%	5,505	+2%	96	+60%	31
Ventura	8.7%	16,898	-4%	4,550	+142%	2,987
Sutter	8.6%	2,067	-2%	21	+50%	6
Santa Barbara	8.3%	7,668	-3%	3,192	+106%	1,775
Humboldt	8.3%	3,244	-5%	1,525	+82%	896
Glenn	8.3%	551	-1%	29	+93%	13
Napa	8.1%	3,020	-5%	1,663	+171%	902
Solano	8.1%	9,823	-1%	345	+130%	183
San Luis Obispo	8.1%	7,102	-2%	1,842	+160%	1,235
Inyo	8.0%	478	-2%	105	+184%	57
San Benito	8.0%	1,366	+3%	203	+131%	140
Contra Costa	7.9%	23,533	-3%	2,154	+120%	1,751
Sonoma	7.8%	11,139	-3%	4,038	+268%	2,679
Yolo	7.8%	3,917	+1%	119	+102%	25
Alameda	7.7%	26,698	-3%	3,380	+41%	2,380
Santa Clara	7.7%	29,435	-3%	2,578	+69%	1,897
Colusa	7.4%	367	-1%	36	+260%	14
Monterey	7.4%	6,230	-3%	2,988	+83%	2,386
Santa Cruz	7.3%	4,982	-7%	3,879	+207%	3,377
San Mateo	6.7%	10,992	-3%	1,216	+137%	955
Marin	6.3%	4,260	-4%	1,662	+79%	1,179
San Francisco	6.1%	7,631	-3%	380	+10%	59

Method and source

All figures come from the California Department of Insurance, Number of New, Renewed, and Non-Renewed Homeowners’ Policies by County, 2020 to 2023 (report year 2024). Per the Department, the counts cover homeowners forms (HO-2, HO-3, HO-5, HO-8 and similar), dwelling fire, landlord policies on residential buildings of four units or fewer, and mobile homes, about 99% of the homeowners market; they exclude renters (HO-4) and condo unit (HO-6) policies. Starting with 2020 the Department removed certain non-renewal and cancellation types, so these years are not directly comparable with earlier reports.

Non-renewal share is our calculation, not a Department figure: non-renewed ÷ (renewed + non-renewed) in the voluntary market for that year. FAIR Plan policies and DIC policies are new plus renewed policies for the year. Changes compare 2023 with 2020. The 58 county rows add up to the Department’s statewide totals for every year and column.

Free to use. Please cite “Alishahi Insurance analysis of California Department of Insurance data” and link to this page. Download the full table: CSV, all counties and years. Questions about the data: [email protected].

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