A California Community Resource
Depopulate the FAIR Plan
California's insurance market is broken. The FAIR Plan—meant as a last resort—now insures over 650,000 homes and continues growing. Understand the crisis and its impact on every California homeowner.
Understanding the Crisis
California's FAIR Plan was designed as an insurer of last resort, not a primary insurance solution.
155K
Sep 30, 2019
Policies as of September 30, 2019
655K
Mar 31, 2026
Policies as of March 31, 2026
4.2x
Growth Rate
Since FY 2019
Why This Matters
The FAIR Plan's explosive growth doesn't just affect the families on it — it creates hidden costs for every homeowner in California. Here's how.
FAIR Plan Crisis Map
Explore how FAIR Plan policies are distributed across California's 58 counties. Data current through March 31, 2026.
Policy Distribution by County
Policy Levels
This map shows the concentration of FAIR Plan policies across California counties. Darker red areas indicate counties with more properties unable to obtain standard insurance coverage.
Data Source
California FAIR Plan data through March 31, 2026
County-Level Data
FAIR Plan policies by county as of March 31, 2026
| Los Angeles County | 153,229 | +1.7% | +36.2% |
| San Bernardino County | 68,143 | +3.1% | +28.0% |
| Riverside County | 63,001 | +5.6% | +70.6% |
| San Diego County | 62,114 | +3.1% | +57.8% |
| El Dorado County | 27,866 | +0.3% | +17.6% |
| Orange County | 25,848 | +5.2% | +73.8% |
| Nevada County | 23,334 | +0.6% | +17.8% |
| Placer County | 19,078 | +0.3% | +20.9% |
| Ventura County | 15,922 | +4.3% | +59.1% |
| Tuolumne County | 13,882 | +0.4% | +8.6% |
Data source: California FAIR Plan through March 31, 2026
Total policies statewide: 655,204
Stay Informed
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