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

Home insurance non-renewals by ZIP code

Look up how often insurers declined to renew homeowners policies in any California ZIP code, every year from 2020 to 2023, next to its county and the state. Built from the Department of Insurance’s own ZIP-level counts; free to cite.

Magalia (95954, Butte County) had California’s highest homeowners non-renewal rate in 2023: insurers declined to renew 46.7% of the policies that came up for renewal there, up from 18.5% in 2020, against 9.4% statewide. Three Rivers (93271) was next at 31.8%, and 31 ZIP codes ran at double the statewide rate or more. The same data by county.

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By Sam Alishahi · CA Insurance License #4348151 · Data: California Department of Insurance

ZIP lookup

Your ZIP code, 2020 to 2023

New, renewed and non-renewed homeowners policies in the voluntary market (admitted and surplus lines insurers, not the FAIR Plan), with the share of renewals the insurer declined.

90210 · Beverly Hills, Los Angeles County example

Year	New	Renewed	Non-renewed	Non-renewal share	Los Angeles County	California
2020	530	4,346	568	11.6%	9.4%	10.6%
2021	658	3,896	816	17.3%	11.3%	12.1%
2022	575	3,603	861	19.3%	10.1%	10.6%
2023	264	3,659	419	10.3%	9.2%	9.4%

FAIR Plan: 28.8% of insured homes here were on the FAIR Plan in 2022 (Los Angeles County 5.2%, California 3.2%).

The numbers

California’s ZIP codes, 2023

9.4%of homeowners policies up for renewal in the voluntary market were non-renewed statewide in 2023

46.7%the highest ZIP code share, in Magalia (95954)

31ZIP codes at double the statewide share or more (of 1,265 with at least 500 renewal decisions)

105Los Angeles County ZIP codes above the statewide share

3.2%of insured homes statewide were on the FAIR Plan in 2022; 80.0% in Cedarpines Park (92322)

Hardest hit

The 25 ZIP codes with the highest non-renewal share

2023, ZIP codes with at least 500 policies up for renewal. The dashed line is the statewide share.

#	ZIP	Place	County	Share 2023	Share 2020	Non-renewed 2023
1	95954	Magalia	Butte	46.7%	18.5%	969
2	93271	Three Rivers	Tulare	31.8%	9.5%	282
3	95379	Tuolumne	Tuolumne	30.0%	14.0%	256
4	95969	Paradise	Butte	28.5%	28.3%	1,128
5	96088	Shingletown	Shasta	28.3%	14.9%	476
6	93205	Bodfish	Kern	28.1%	26.4%	151
7	95457	Lower Lake	Lake	25.5%	9.9%	249
8	96025	Dunsmuir	Siskiyou	24.6%	13.1%	211
9	95966	Oroville	Butte	23.9%	22.7%	1,986
10	93675	Yokuts	Fresno	23.5%	15.9%	220
11	92372	Pinon Hills	San Bernardino	23.4%	17.0%	430
12	95619	Diamond Springs	El Dorado	23.2%	12.3%	316
13	95946	Penn Valley	Nevada	23.0%	19.6%	855
14	95722	Meadow Vista	Placer	22.7%	19.5%	213
15	92371	Phelan	San Bernardino	22.3%	15.0%	965
16	95684	Somerset	El Dorado	22.2%	12.6%	160
17	95321	Groveland	Tuolumne	22.0%	21.8%	309
18	95949	Grass Valley	Nevada	21.6%	21.6%	986
19	90290	Topanga	Los Angeles	21.5%	16.0%	119
20	95247	Murphys	Calaveras	21.4%	16.5%	272
21	95623	El Dorado	El Dorado	20.7%	22.9%	252
22	95945	Grass Valley	Nevada	20.2%	14.0%	1,266
23	95665	Pine Grove	Amador	20.1%	15.3%	186
24	95464	Nice	Lake	20.0%	10.6%	158
25	93285	Wofford Heights	Kern	19.7%	22.7%	182

Fastest change

Where the share rose the most, 2020 to 2023

Percentage-point change in the non-renewal share, same 500-decision floor.

#	ZIP	Place	County	Share 2023	Share 2020	Change
1	95954	Magalia	Butte	46.7%	18.5%	+28.1 pts
2	93271	Three Rivers	Tulare	31.8%	9.5%	+22.4 pts
3	95379	Tuolumne	Tuolumne	30.0%	14.0%	+16.0 pts
4	95457	Lower Lake	Lake	25.5%	9.9%	+15.6 pts
5	96088	Shingletown	Shasta	28.3%	14.9%	+13.4 pts
6	96025	Dunsmuir	Siskiyou	24.6%	13.1%	+11.4 pts
7	95619	Diamond Springs	El Dorado	23.2%	12.3%	+10.9 pts
8	95446	Guerneville	Sonoma	19.5%	8.7%	+10.8 pts
9	95684	Somerset	El Dorado	22.2%	12.6%	+9.7 pts
10	95464	Nice	Lake	20.0%	10.6%	+9.4 pts

FAIR Plan

Where the FAIR Plan insures the most homes

Share of insured homes on the California FAIR Plan in 2022, ZIP codes with at least 500 insured homes. Statewide: 3.2%.

#	ZIP	Place	County	FAIR Plan share 2022	FAIR Plan homes
1	92322	Cedarpines Park	San Bernardino	80.0%	469
2	92676	Silverado	Orange	77.9%	550
3	90290	Topanga	Los Angeles	76.2%	1,792
4	92325	Crestline	San Bernardino	75.4%	3,891
5	92391	Twin Peaks	San Bernardino	72.6%	826
6	92352	Lake Arrowhead	San Bernardino	70.5%	5,872
7	92382	Running Springs	San Bernardino	65.9%	2,219
8	92549	Idyllwild	Riverside	63.9%	2,286
9	95631	Foresthill	Placer	63.8%	1,468
10	92333	Fawnskin	San Bernardino	63.4%	543
11	92339	Forest Falls	San Bernardino	62.1%	377
12	92341	Green Valley Lake	San Bernardino	61.2%	549
13	92386	Sugarloaf	San Bernardino	56.6%	1,391
14	95346	Mi Wuk Village	Tuolumne	56.5%	668
15	95726	Pollock Pines	El Dorado	55.5%	2,142
16	93664	Shaver Lake	Fresno	54.5%	1,214
17	92315	Big Bear Lake	San Bernardino	53.6%	4,323
18	95383	Twain Harte	Tuolumne	53.2%	1,756
19	95666	Pioneer	Amador	52.3%	1,695
20	95335	Long Barn	Tuolumne	51.9%	559

Southern California

The 15 highest shares in Southern California

Los Angeles, Orange, San Diego, Riverside, San Bernardino, Ventura and Santa Barbara counties, 2023.

#	ZIP	Place	County	Share 2023	Share 2020	Non-renewed 2023
1	92372	Pinon Hills	San Bernardino	23.4%	17.0%	430
2	92371	Phelan	San Bernardino	22.3%	15.0%	965
3	90290	Topanga	Los Angeles	21.5%	16.0%	119
4	92548	Homeland	Riverside	19.2%	15.3%	293
5	92397	Wrightwood	San Bernardino	18.0%	11.0%	266
6	92570	Perris	Riverside	17.9%	13.0%	1,764
7	93510	Acton	Los Angeles	17.6%	13.1%	371
8	92230	Cabazon	Riverside	17.6%	13.8%	92
9	93543	Littlerock	Los Angeles	17.0%	11.7%	578
10	92595	Wildomar	Riverside	16.9%	16.0%	1,483
11	91901	Alpine	San Diego	16.9%	12.5%	534
12	92241	Desert Hot Springs	Riverside	16.7%	17.7%	612
13	92082	Valley Center	San Diego	16.5%	13.4%	800
14	92276	Thousand Palms	Riverside	16.4%	14.8%	503
15	92382	Running Springs	San Bernardino	16.2%	15.5%	193

What the ZIP data shows

The highest rates are in the foothills and mountains. The top of the list is Sierra Nevada foothill, Cascade and Coast Range communities, places like Magalia, Three Rivers, Tuolumne, Paradise, Shingletown, Bodfish, where insurers declined between 28.1% and 46.7% of renewals in 2023.

The most non-renewals in raw numbers are in big suburban ZIPs. Over 2020–2023 the most non-renewed policies were in Fontana (92336), Hesperia (92345), Temecula (92592), Roseville (95747), Murrieta (92563): large, fast-growing ZIP codes on the edge of the wildland, where even an ordinary rate adds up to thousands of households.

In Los Angeles County the high-desert and foothill ZIPs lead. The highest 2023 shares were Topanga 90290 (21.5%), Acton 93510 (17.6%), Littlerock 93543 (17.0%), Pearblossom 93553 (15.6%), Palmdale 93591 (15.6%).

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, read what to do, or see what the FAIR Plan doesn’t cover.

Method and source

Policy counts come from the California Department of Insurance’s ZIP-level file of new, renewed and non-renewed policies in the residential voluntary market, 2020 to 2023, published on its wildfire and insurance data page (spreadsheet). The voluntary market means admitted and surplus lines insurers; FAIR Plan policies are not in the ZIP file (see the county study for FAIR Plan counts). Rows the Department could not assign to a county are left out; the remaining ZIP rows add up to its statewide totals to within a few dozen policies a year.

Non-renewal share is our calculation, not a Department figure: non-renewed ÷ (renewed + non-renewed) for the year. Rankings include only ZIP codes with at least 500 renewal decisions in 2023; the lookup shows every ZIP and notes when the count is small. County and statewide shares in the lookup are summed from the same ZIP rows. FAIR Plan shares come from the Department’s separate table, number of residential dwelling units insured in 2022, FAIR Plan vs voluntary market (homeowners and dwelling fire policies on one to four units and mobile homes; not renters or condo units). Place names are each ZIP’s postal place name from GeoNames (CC BY 4.0); a ZIP can cover more than one community.

Free to use. Please cite “Alishahi Insurance analysis of California Department of Insurance data” and link to this page. Download every ZIP and year: CSV. Questions about the data: [email protected].

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