California · ZIP 94610
Home insurance in ZIP 94610 — FAIR Plan cost and the market retreat
In ZIP 94610, California, the average FAIR Plan premium for an owner-occupied home is $3,707/yr (fire-only; California FAIR Plan, March 2026), across 101 policies, and FAIR Plan policies here have grown 11.0× since FY2021.
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 13 (FY2021) to 143 (FY2025) — a 11.0× 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 94610
143 homes in ZIP 94610were on the FAIR Plan — California's insurer of last resort — as of FY2025, up from 13 in FY2021 (11.0×). 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.
Flagged for insurer retreat
ZIP 94610 is in a county the California Department of Insurance designates as distressed for insurance availability. If your policy was non-renewed or cancelled, see what to do if you were dropped by your home insurer.
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 94610?
The average California FAIR Plan premium is about $3,707/yr for an owner-occupied home (fire-only; California FAIR Plan, March 2026), based on 101 policies. It excludes liability and water damage — a separate DIC policy adds those.
Why are so many homes in 94610 on the FAIR Plan?
FAIR Plan policies in force here rose from 13 in FY2021 to 143 in FY2025 — a 11.0× increase. The FAIR Plan is the insurer of last resort. Rising counts usually mean admitted carriers are writing fewer new policies locally.
Is ZIP 94610 flagged as an underserved insurance area?
ZIP 94610 is in a county the CDI designates as distressed for insurance availability. Actual eligibility depends on the specific address and its hazard profile.
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