Home insurance availability in ZIP 95317 (Merced 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.
Insufficient data difficulty relative to other CA ZIPs (method)
Data gaps: too few policies to compute a 2023 non-renewal rate.
FAIR Plan policies over time
| As of | Policies |
|---|---|
| Sep 30, 2021 | 1 |
| Sep 30, 2022 | 0 |
| Sep 30, 2023 | 7 |
| Sep 30, 2024 | 7 |
| Sep 30, 2025 | 3 |
June 30, 2026 by FAIR Plan wildfire-risk category: Low 3, Medium 0, High 0.
Voluntary market (CDI)
| Year | New | Renewed | Non-renewed |
|---|---|---|---|
| 2020 | 1 | 29 | 3 |
| 2021 | 4 | 27 | 3 |
| 2022 | 2 | 26 | 6 |
| 2023 | 2 | 28 | 2 |
Nearby ZIP codes
95315 · 95312 · 95322 · 95324 · 95303 · 95301 · 95333 · 95334
Natural hazards in Merced 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 95317 are on the California FAIR Plan?
The CA FAIR Plan reported 3 residential policies in 95317 as of June 30, 2026.
How hard is it to get home insurance in 95317?
Our relative rating for 95317 is Insufficient data, 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 95317?
There were too few reported policies to compute a reliable 2023 rate.
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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