Home insurance availability in ZIP 96116 (Modoc 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.
High · 73/100 difficulty relative to other CA ZIPs (method)
FAIR Plan policies over time
| As of | Policies |
|---|---|
| Sep 30, 2021 | 0 |
| Sep 30, 2022 | 1 |
| Sep 30, 2023 | 1 |
| Sep 30, 2024 | 7 |
| Sep 30, 2025 | 8 |
June 30, 2026 by FAIR Plan wildfire-risk category: Low 4, Medium 3, High 0.
Voluntary market (CDI)
| Year | New | Renewed | Non-renewed |
|---|---|---|---|
| 2020 | 2 | 50 | 4 |
| 2021 | 5 | 47 | 6 |
| 2022 | 5 | 48 | 4 |
| 2023 | 2 | 47 | 6 |
Nearby ZIP codes
96115 · 96112 · 96110 · 96108 · 96104 · 96101 · 96054 · 96015
Natural hazards in Modoc 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 96116 are on the California FAIR Plan?
The CA FAIR Plan reported 7 residential policies in 96116 as of June 30, 2026.
How hard is it to get home insurance in 96116?
Our relative rating for 96116 is High (73/100), 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 96116?
11.3% 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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