Home insurance availability in ZIP 95003 (Santa Cruz County), California
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.
Moderate · 43/100 difficulty relative to other CA ZIPs (method)
FAIR Plan policies over time
| As of | Policies |
|---|---|
| Sep 30, 2021 | 192 |
| Sep 30, 2022 | 200 |
| Sep 30, 2023 | 277 |
| Sep 30, 2024 | 618 |
| Sep 30, 2025 | 1,206 |
June 30, 2026 by FAIR Plan wildfire-risk category: Low 39, Medium 465, High 723.
Voluntary market (CDI)
| Year | New | Renewed | Non-renewed |
|---|---|---|---|
| 2020 | 1,025 | 8,106 | 909 |
| 2021 | 1,103 | 7,925 | 973 |
| 2022 | 802 | 8,112 | 805 |
| 2023 | 475 | 8,204 | 646 |
Nearby ZIP codes
95005 · 95006 · 95007 · 95010 · 95017 · 95018 · 95019 · 95033
Natural hazards in Santa Cruz 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 new CA policies, with sources →
FAQ
How many homes in ZIP 95003 are on the California FAIR Plan?
The CA FAIR Plan reported 1,227 residential policies in 95003 as of June 30, 2026.
How hard is it to get home insurance in 95003?
Our relative rating for 95003 is Moderate (43/100), based on FAIR Plan share and 2023 non-renewals compared with other CA ZIPs. It is an editorial index, not an official classification.
What was the non-renewal rate in 95003?
7.3% of voluntary-market policies were non-renewed in 2023, per CDI.
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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