California · ZIP 96104
Home insurance in ZIP 96104 — FAIR Plan cost and the market retreat
In ZIP 96104, California, the average FAIR Plan premium for an owner-occupied home is $1,259/yr (fire-only; California FAIR Plan, March 2026), across 26 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.
Wildfire risk score in ZIP 96104
FAIR Plan policy-count history isn't available for ZIP 96104, but wildfire hazard varies block by block. For a parcel-level estimate, use the wildfire risk score by address tool.
Flagged for insurer retreat
ZIP 96104 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 96104?
The average California FAIR Plan premium is about $1,259/yr for an owner-occupied home (fire-only; California FAIR Plan, March 2026), based on 26 policies. It excludes liability and water damage — a separate DIC policy adds those.
Is ZIP 96104 a high fire-risk or underserved area?
ZIP 96104 is in a county the CDI designates as distressed for insurance availability. Actual eligibility depends on the specific address and its wildfire hazard tier.
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