Insurance Market Health

Track how fire risk and carrier availability are shaping homeowners insurance options across Lake, Marin, Sonoma, Napa, Mendocino, and Sacramento counties. Use this data to understand market trends and carrier exit patterns.

Data updated just now

Market Health Snapshot

FAIR Plan Enrollment
847K
2024 statewide (insurer of last resort). 117% growth from 2020.
Top Carrier Market Share
9.2%
State Farm by premium volume. CDI 2024 market share report.
Avg Complaint Rate
0.9
Per 1000 policies (top 5 carriers). CDI database.
High-Fire Counties
3
Lake, Mendocino, Sonoma. CDI moratorium declarations active.

Top 5 Carriers by CA Market Share

Honest Framing: This widget shows market signals (FAIR Plan growth, carrier retreat patterns, complaint rates). It is NOT a per-address quote tool. To get an actual insurance quote, contact your preferred carrier directly or apply to the CA FAIR Plan. Market conditions change monthly; this data reflects Q4 2024 statewide and county-level trends.

County Availability & Fire Risk

County Fire Risk Carrier Availability FAIR Plan % of Market Non-Renewal Moratorium

Get a Quote or File a Complaint

CA FAIR Plan Quote
Apply directly if carriers decline you. Fast process.
File CDI Complaint
Report service issues or unfair practices to the state.
CDI Market Share Report
Full P&C insurer rankings and written premium data.
CDI Main Site
Non-renewal moratoriums, emergency declarations, and lookup tools.

Data Sources & Methodology

Overview: This widget aggregates publicly available California Department of Insurance (CDI) data, CA FAIR Plan annual reports, and Sustainable Insurance Strategy 2024 commitment tracking to show per-county insurance market stress and carrier availability.

Top Carriers & Market Share: Ranked by 2024 written premium statewide per CDI Market Share Report.

FAIR Plan Enrollment Trend: CA FAIR Plan annual reports 2020-2024. Growth from 389K to 847K reflects carrier retreat following Dixie (2021), Caldor (2021), Kincade (2019), and other major fires.

Complaint Rates: CDI complaint database, normalized per 1000 policies for top 5 carriers statewide.

County Availability & Fire Risk: Classified by fire exposure (Dixie/Caldor/Cache/Kincade proximity), CDI non-renewal moratorium declarations, and regional carrier underwriting patterns as of April 2026.

Data Limitations: Market share reflects written premium, not claim rates or customer satisfaction. Complaint rates do not indicate claim denial rates; consult policy terms directly. Non-renewal moratoriums protect existing policyholders but do not guarantee new applicant approval. FAIR Plan percentages are market-relative, not population-relative.