California · ZIP 94704
Home insurance in ZIP 94704 — FAIR Plan cost and the market retreat
In ZIP 94704, California, the average FAIR Plan premium for an owner-occupied home is $4,927/yr (fire-only; California FAIR Plan, March 2026), across 65 policies, and FAIR Plan policies here have grown 7.0× 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 19 (FY2021) to 133 (FY2025) — a 7.0× 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; the FAIR Plan rates homes in this ZIP in its medium or high wildfire-risk bands, so wildfire exposure is likely part of that pullback.
Wildfire risk score in ZIP 94704
133 homes in ZIP 94704were on the FAIR Plan — California's insurer of last resort — as of FY2025, up from 19 in FY2021 (7.0×). Rising counts usually mean admitted carriers are writing fewer new policies locally; the FAIR Plan rates homes in this ZIP in its medium or high wildfire-risk bands, so wildfire exposure is likely part of that pullback. 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 94704?
The average California FAIR Plan premium is about $4,927/yr for an owner-occupied home (fire-only; California FAIR Plan, March 2026), based on 65 policies. It excludes liability and water damage — a separate DIC policy adds those.
Why are so many homes in 94704 on the FAIR Plan?
FAIR Plan policies in force here rose from 19 in FY2021 to 133 in FY2025 — a 7.0× increase. The FAIR Plan is the insurer of last resort. Rising counts usually mean admitted carriers are writing fewer new policies locally; the FAIR Plan rates homes in this ZIP in its medium or high wildfire-risk bands, so wildfire exposure is likely part of that pullback.
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