California · ZIP 90604
Home insurance in ZIP 90604 — FAIR Plan cost and the market retreat
In ZIP 90604, California, the average FAIR Plan premium for an owner-occupied home is $375/yr (fire-only; California FAIR Plan, March 2026), across 122 policies.
Full admitted-market premiums are filed at the county level — see cost by county. To see which carriers may write a specific home, check the address.
The FAIR Plan retreat here
FAIR Plan policies in force grew from 102 (FY2021) to 145 (FY2025) — a 1.4× increase.
Source: California FAIR Plan policies-in-force by ZIP, FY2021–FY2025. The FAIR Plan is the insurer of last resort. Rising counts usually mean admitted carriers are writing fewer new policies locally.
Hazard by address in ZIP 90604
145 homes in ZIP 90604were on the FAIR Plan — California's insurer of last resort — as of FY2025, up from 102 in FY2021 (1.4×). Rising counts usually mean admitted carriers are writing fewer new policies locally. For a parcel-level estimate, use the wildfire risk score by address tool.
What FAIR Plan coverage leaves out
The FAIR Plan is fire-only — no liability, theft, or water damage. Most owners pair it with a Difference-in-Conditions (DIC) policy to rebuild full coverage. Learn how the California FAIR Plan works and what it costs.
Frequently asked
How much is the FAIR Plan in ZIP 90604?
The average California FAIR Plan premium is about $375/yr for an owner-occupied home (fire-only; California FAIR Plan, March 2026), based on 122 policies. It excludes liability and water damage — a separate DIC policy adds those.
Why are so many homes in 90604 on the FAIR Plan?
FAIR Plan policies in force here rose from 102 in FY2021 to 145 in FY2025 — a 1.4× increase. The FAIR Plan is the insurer of last resort. Rising counts usually mean admitted carriers are writing fewer new policies locally.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance