Home insurance availability in San Bernardino County, CA
Data as of: CA FAIR Plan policies June 30, 2026 (published July 2026); FAIR Plan fiscal-year counts Sept 30, 2021–2025; CA Dept. of Insurance voluntary-market data calendar years 2020–2023 (latest published). Insurer statuses last reviewed 2026-10-16. Pages generated 2026-10-16.
Informational only, not insurance advice. This page summarizes public data. It does not sell, quote, or recommend insurance. Talk to a licensed agent or broker about your property.
69,840FAIR Plan residential policies (Jun 30, 2026)
30,841 → 64,040FAIR policies, Sep 2021 → Sep 2025
11.9%Voluntary-market non-renewal rate, 2023
16 / 48ZIPs rated Severe / High
ZIP codes in San Bernardino County
| ZIP | Rating | FAIR policies Jun 2026 | Non-renewal 2023 |
|---|---|---|---|
| 91701 | Moderate | 336 | 9.9% |
| 91708 | Moderate | 188 | 10.3% |
| 91709 | High | 3,043 | 9.3% |
| 91710 | Moderate | 350 | 9.3% |
| 91729 | Insufficient data | — | — |
| 91730 | Moderate | 151 | 9.3% |
| 91737 | Moderate | 465 | 8.4% |
| 91739 | Moderate | 547 | 10.1% |
| 91758 | Insufficient data | — | — |
| 91759 | Severe | 147 | 15.0% |
| 91761 | Moderate | 408 | 9.7% |
| 91762 | Moderate | 370 | 10.0% |
| 91763 | Moderate | 128 | 10.1% |
| 91764 | Moderate | 264 | 10.8% |
| 91784 | Moderate | 381 | 8.7% |
| 91785 | Insufficient data | — | — |
| 91786 | Moderate | 163 | 9.9% |
| 92242 | Moderate | 82 | 10.1% |
| 92252 | High | 454 | 12.3% |
| 92256 | High | 266 | 15.3% |
| 92267 | High | 70 | 10.7% |
| 92268 | High | 93 | 11.2% |
| 92277 | High | 345 | 11.7% |
| 92278 | Insufficient data | — | — |
| 92280 | Insufficient data | 20 | — |
| 92284 | High | 850 | 12.5% |
| 92285 | High | 199 | 10.4% |
| 92286 | Insufficient data | — | — |
| 92301 | High | 790 | 13.0% |
| 92304 | Insufficient data | — | — |
| 92305 | Severe | 292 | 16.1% |
| 92307 | High | 655 | 12.6% |
| 92308 | High | 721 | 12.5% |
| 92309 | Insufficient data | 5 | — |
| 92310 | Insufficient data | 1 | — |
| 92311 | High | 262 | 13.6% |
| 92312 | Insufficient data | — | — |
| 92313 | High | 325 | 11.1% |
| 92314 | Severe | 5,547 | 12.6% |
| 92315 | Severe | 5,761 | 13.2% |
| 92316 | High | 415 | 13.6% |
| 92317 | High | 138 | 10.1% |
| 92318 | Insufficient data | 6 | — |
| 92321 | Severe | 273 | 16.7% |
| 92322 | Severe | 496 | 13.3% |
| 92323 | Insufficient data | — | — |
| 92324 | High | 1,104 | 12.2% |
| 92325 | Severe | 4,296 | 12.5% |
| 92327 | Moderate | 9 | 7.9% |
| 92329 | Insufficient data | — | — |
| 92332 | Insufficient data | 1 | — |
| 92333 | Severe | 699 | 12.4% |
| 92334 | Insufficient data | — | — |
| 92335 | High | 655 | 12.2% |
| 92336 | High | 1,152 | 11.8% |
| 92337 | High | 592 | 12.7% |
| 92338 | Insufficient data | 1 | — |
| 92339 | Severe | 491 | 12.1% |
| 92340 | Insufficient data | — | — |
| 92341 | Severe | 689 | 13.0% |
| 92342 | High | 80 | 13.1% |
| 92344 | High | 1,176 | 13.7% |
| 92345 | High | 1,360 | 13.7% |
| 92346 | High | 1,246 | 12.2% |
| 92347 | High | 18 | 12.6% |
| 92350 | Insufficient data | — | — |
| 92352 | High | 6,862 | 10.3% |
| 92354 | High | 568 | 10.5% |
| 92356 | High | 188 | 12.3% |
| 92357 | Insufficient data | — | — |
| 92358 | Severe | 218 | 21.1% |
| 92359 | High | 482 | 14.2% |
| 92363 | Moderate | 114 | 10.6% |
| 92364 | Insufficient data | 1 | — |
| 92365 | High | 74 | 10.3% |
| 92366 | Insufficient data | — | — |
| 92368 | High | 33 | 10.9% |
| 92371 | Severe | 1,418 | 22.3% |
| 92372 | Severe | 579 | 23.4% |
| 92373 | High | 1,276 | 10.6% |
| 92374 | Moderate | 464 | 10.1% |
| 92375 | Insufficient data | — | — |
| 92376 | High | 637 | 12.2% |
| 92377 | High | 337 | 11.8% |
| 92378 | High | 190 | 9.9% |
| 92382 | Severe | 2,816 | 16.2% |
| 92385 | Insufficient data | 160 | — |
| 92386 | Severe | 1,960 | 12.7% |
| 92391 | High | 1,000 | 10.7% |
| 92392 | High | 1,046 | 12.5% |
| 92393 | Insufficient data | — | — |
| 92394 | High | 458 | 12.4% |
| 92395 | High | 522 | 14.5% |
| 92397 | Severe | 1,756 | 18.1% |
| 92398 | High | 35 | 10.8% |
| 92399 | High | 3,329 | 12.7% |
| 92401 | High | 20 | 15.2% |
| 92403 | Insufficient data | — | — |
| 92404 | High | 1,075 | 14.1% |
| 92405 | High | 510 | 12.5% |
| 92406 | Insufficient data | — | — |
| 92407 | High | 1,952 | 13.6% |
| 92408 | High | 174 | 12.5% |
| 92410 | High | 631 | 13.8% |
| 92411 | High | 358 | 13.1% |
| 92413 | Insufficient data | — | — |
| 92415 | Insufficient data | — | — |
| 92427 | Insufficient data | — | — |
| 93558 | Insufficient data | 1 | — |
| 93562 | High | 20 | 15.8% |
| 93592 | Insufficient data | — | — |
Natural hazards in San Bernardino County
Area-level summary only, not a Natural Hazard Disclosure report; hazards vary by parcel. We have not computed hazard coverage for this area; check an exact address on the official maps below.
- Wildfire: CAL FIRE / OSFM Fire Hazard Severity Zones
- Flood: FEMA Flood Map Service Center (NFHL)
- Earthquake faults, liquefaction, landslide: CA Geological Survey Earthquake Zones of Required Investigation (Alquist-Priolo and Seismic Hazard Zones)
- Tsunami: CGS Tsunami Hazard Area maps
Insurers that have paused or restricted new CA homeowners policies
Statewide, hand-maintained from the linked sources; statuses change often.
| Insurer | Status | Details | As of | Source |
|---|---|---|---|---|
| State Farm General | Not writing | Closed to new CA homeowners applications since May 2023. Filed a rule application Sept 18, 2026 to resume for homes meeting IBHS Wildfire Prepared Home standards; CDI says filings are under review. | 2026-09-18 | CDI alert |
| Allstate | Not writing | Closed to new CA homeowners business since 2022. Submitted a Sustainable Insurance Strategy filing Aug 31, 2026; under CDI review. | 2026-09-18 | CDI alert |
| Farmers Insurance | Writing | Listed by CDI among insurers committing to stay and grow under the Sustainable Insurance Strategy. | 2026-05-01 | CDI alert |
| Mercury Insurance | Writing | Named by CDI among insurers committing to stay and grow in CA under the Sustainable Insurance Strategy. | 2026-05-01 | CDI alert |
| CSAA (AAA) | Writing | Named by CDI among insurers committing to stay and grow in CA. | 2026-05-01 | CDI alert |
| Automobile Club of Southern California (AAA SoCal) | Writing | Submitted a rate filing and plans to expand coverage, per CDI. | 2026-05-01 | CDI alert |
| USAA | Writing | Named by CDI among insurers committing to stay and grow (USAA eligibility limited to military members/families). | 2026-05-01 | CDI alert |
| Travelers | Writing | Named by CDI among insurers committing to stay and grow. | 2026-05-01 | CDI alert |
| Horace Mann | Limited | Named by CDI among insurers committing to stay and grow; serves a niche market (educators). | 2026-05-01 | CDI alert |
| Pacific Specialty | Writing | Named by CDI among insurers committing to stay and grow. | 2026-05-01 | CDI alert |
| California Casualty | Limited | Named by CDI among insurers committing to stay and grow; serves affinity groups (educators, public safety). | 2026-05-01 | CDI alert |
| California FAIR Plan | Writing | Insurer of last resort; basic fire coverage only, typically paired with a Difference in Conditions (DIC) policy. 800-339-4099. | 2026-06-30 | FAIR Plan |
| Liberty Mutual / Safeco | Writing | Named by CDI among insurance groups that have announced they are staying and growing in wildfire-affected parts of the state. | 2026-08 | CDI press release |
| MS Transverse | Writing | Named by CDI as a new entrant under the Sustainable Insurance Strategy. | 2026-08 | CDI press release |
| Kin Insurance | Writing | Announced statewide CA home insurance option in March 2025; added condo and flood add-on options July 28, 2026. | 2026-07-28 | Kin newsroom |
| Chubb | Limited | Reported to have lifted its CA moratorium in March 2025 for high-value homes, with stricter wildfire underwriting. | 2025-03-03 | Insurance Insider US (trade press) |
| Nationwide Private Client (Crestbrook) | Not writing | Stopped new CA homeowners policies Dec 2023 and filed to non-renew all CA homeowners policies by June 15, 2025. Nationwide's standard line not covered by this source. | 2024-02 | Press report of CDI filing |
| Tokio Marine America / Trans Pacific | Not writing | Exited personal lines; CA homeowners, dwelling and umbrella policies non-renewed from July 1, 2024. | 2024 | Tokio Marine America |
| Hippo | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Nationwide (standard homeowners) | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| PURE | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Lemonade | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Openly | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Cincinnati Insurance | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Amica | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Progressive / Homesite | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Wawanesa | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Grange | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Foremost | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Stillwater | Unknown | No official or clearly sourced current CA new-business status found yet. | 2026-10-16 | CDI residential insurance guide |
| Surplus lines (E&S) market | Note | Non-admitted surplus-lines insurers can cover some homes admitted carriers decline. They are not backed by the California Insurance Guarantee Association. CDI publishes the list of eligible surplus-line insurers (LESLI). | 2026-10-16 | CDI LESLI list |
FAQ
How many homes in San Bernardino County use the California FAIR Plan?
As of June 30, 2026, the CA FAIR Plan reported 69,840 residential policies in San Bernardino County.
Is the FAIR Plan growing in San Bernardino County?
FAIR Plan residential policies went from 30,841 (Sept 2021) to 64,040 (Sept 2025), about 2.1 times as many.
How often were homeowners policies non-renewed in San Bernardino County?
In 2023, the voluntary-market non-renewal rate reported to CDI was 11.9%.
Is this insurance advice?
No. This is a summary of public data for information only. Contact a licensed agent or broker about your property.
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