Home insurance in Paradise, CA: rebuilding coverage after the fire

Since the 2018 Camp Fire, insuring a home in Paradise and the surrounding Butte County foothills has been hard — but it's far from impossible. Here's the current picture and how to get covered.

Key takeaways

• Paradise is in Butte County, where about 10.3% of homes are on the FAIR Plan — well above the statewide share.
• Standard-market median is $1,566/yr for a $625,000 home; the FAIR Plan averages $3,255/yr (fire-only, as of March 2026).
• Many homes use the FAIR Plan + a DIC policy; documented mitigation matters a lot here.

Butte County by the numbers

Insurers file premiums by county, so these Butte County figures are the right benchmark for Paradise:

Measure	Value
Median filed premium	$1,566/yr
Middle 50% (p25–p75)	$1,243–$1,919/yr
FAIR Plan average (fire-only, Mar 2026)	$3,255/yr
Homes on the FAIR Plan	~10.3% (about 9,392 policies)

That FAIR share — roughly one in ten homes — is one of the clearest signals of how much the standard market retreated after the Camp Fire. See the Butte County page for the full breakdown.

Getting covered in Paradise

1. Check your address and hazard tier on the map.
2. Document wildfire mitigation — new and rebuilt homes to modern, fire-hardened standards can fare meaningfully better.
3. Line up the FAIR Plan + DIC if the standard market won't write you (see how to apply).
4. Re-shop each renewal — rebuilt, hardened homes may attract standard carriers over time.

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Figures are Butte County filed data (CDI §12959, $625,000 dwelling, effective 2026-05-01) and California FAIR Plan averages; there is no published city-level premium. Estimates, not quotes.