ZIP Codes Tracked
1,545
U.S. Treasury FIO data for 1,545 ZIP codes in California (CA).
The verdict
According to U.S. Treasury FIO filings, California ranks #21 of 51 by average premium ($1,864/yr) ≠ #6 of 50 by nonrenewal (1.86%). Cost rank is not withdrawal rank.
Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.
California vs all states by ZIP-mean homeowners premium
Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)
$1,864 Around the middle lower premium than 39% of 51 states
States, banded by ZIP-mean annual homeowners premium (FIO)
Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2022
Source: U.S. Department of the Treasury, Federal Insurance Office, "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Each state figure on this page is the 2022 average across the state's ZIP codes, counting every ZIP once; the change figures compare 2018 with 2022. See methodology for how the state rank and national comparison are calculated.
The California figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands.
Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the California ZIP codes that report one.
Within California, premium dispersion across ZIP codes is substantial: the most expensive ZIP (90210 in Beverly Hills) charges 1307% more than the least expensive (92257 in Niland), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.
How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.
California statewide - FIO 2022, mean of ZIP codes: 82% (Consumer-favorable) - near break-even, premium pressure likely in next renewal cycle.
ZIP Codes Tracked
1,545
Reporting Period
2018-2022
Source
U.S. Treasury FIO
| Year | Avg Premium | Median Premium |
|---|---|---|
| 2018 | $1,486 | $1,289 |
| 2019 | $1,574 (+5.9%) | $1,364 |
| 2020 | $1,670 (+6.1%) | $1,440 |
| 2021 | $1,792 (+7.3%) | $1,547 |
| 2022 | $1,864 (+4.1%) | $1,616 |
1,545 ZIP codes sorted by premium (highest first). Click column headers to sort.
| ZIP | City | Premium |
|---|---|---|
| 90210 | Beverly Hills | $11,603 |
| 92067 | Rancho Santa Fe | $9,347 |
| 90020 | Los Angeles | $9,298 |
| 90077 | Los Angeles | $8,462 |
| 90265 | Malibu | $8,311 |
| 94027 | Atherton | $7,901 |
| 94115 | San Francisco | $7,352 |
| 90049 | Los Angeles | $7,283 |
| 92657 | Newport Coast | $7,263 |
| 90402 | Santa Monica | $6,702 |
| 90272 | Pacific Palisades | $6,689 |
| 93108 | Santa Barbara | $6,496 |
| 92091 | Rancho Santa Fe | $6,314 |
| 94957 | Ross | $6,282 |
| 91302 | Calabasas | $6,223 |
| 90069 | West Hollywood | $6,219 |
| 94123 | San Francisco | $6,060 |
| 94528 | Diablo | $5,642 |
| 92210 | Indian Wells | $5,580 |
| 90024 | Los Angeles | $5,506 |
| 93920 | Big Sur | $5,445 |
| 94109 | San Francisco | $5,395 |
| 90401 | Santa Monica | $5,222 |
| 93953 | Pebble Beach | $5,151 |
| 94946 | Nicasio | $5,075 |
| 90005 | Los Angeles | $5,021 |
| 94028 | Portola Valley | $4,773 |
| 91436 | Encino | $4,745 |
| 90212 | Beverly Hills | $4,639 |
| 91008 | Duarte | $4,629 |
| 94920 | Belvedere Tiburon | $4,531 |
| 94133 | San Francisco | $4,336 |
| 92651 | Laguna Beach | $4,328 |
| 94304 | Palo Alto | $4,237 |
| 96146 | Olympic Valley | $4,232 |
| 92590 | Temecula | $4,183 |
| 94118 | San Francisco | $4,179 |
| 94574 | Saint Helena | $4,148 |
| 91356 | Tarzana | $4,096 |
| 96145 | Tahoe City | $4,092 |
| 92625 | Corona Del Mar | $4,077 |
| 94508 | Angwin | $4,041 |
| 90292 | Marina Del Rey | $4,020 |
| 95494 | Yorkville | $4,002 |
| 90068 | Los Angeles | $3,944 |
| 92661 | Newport Beach | $3,936 |
| 96106 | Clio | $3,928 |
| 92037 | La Jolla | $3,893 |
| 94904 | Greenbrae | $3,868 |
| 94705 | Berkeley | $3,832 |
County National Risk Index scores joined to California ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.
| County | Risk score | Rating | Top hazard |
|---|---|---|---|
| Los Angeles | 100.0 | Very High | Earthquake |
| Riverside | 99.9 | Very High | Earthquake |
| San Bernardino | 99.8 | Very High | Earthquake |
| Hazard | Elevated counties | Share of joined |
|---|---|---|
| Flooding | 33 | 57% |
| Wildfire | 30 | 52% |
| Earthquake | 27 | 47% |
| Winter weather | 3 | 5% |
| Hail | 1 | 2% |
| Tornado | 1 | 2% |
Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.
Source: FEMA National Risk Index · research board: top counties by NRI score.
Two FIO peer sets for California: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.
Nearest states by average homeowners premium ($1,864/yr here).
Nearest states by average nonrenewal rate (1.86% here).
California in the FIO registry
State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.
State figures are 2022 averages across ZIP-level U.S. Treasury FIO observations (changes compare 2018 with 2022), a benchmark, not a quote for any individual home.
Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs
Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.