California FAIR Plan in 91024 (Sierra Madre)

San Gabriel foothill town adjacent to the Eaton Fire footprint. Penetration more than doubled post-fire as admitted carriers issued blanket non-renewals across the foothills.

28.9%

FAIR Plan penetration

1,186

FAIR Plan policies (2024)

+124%

YoY change

Los Angeles

County

Why is FAIR Plan exposure so high in 91024?

California's FAIR Plan is the state's insurer-of-last-resort, providing basic property coverage to homeowners who cannot find admitted-market insurance. Penetration in 91024 reaches 28.9% and is growing rapidly (124% year-over-year) — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2025 Eaton Fire

Which carriers are still writing in 91024?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91024:

Mercury Insurance

Common questions

Common questions about FAIR Plan claims in 91024

01 What is the FAIR Plan penetration in 91024?

As of 2024, approximately 1,186 of 4,108 homeowners in 91024 (28.9%) are insured through the California FAIR Plan. This represents a year-over-year increase of 124%, reflecting accelerating admitted-carrier non-renewals.

02 Which insurance carriers are still writing policies in 91024?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91024: Mercury Insurance. Availability and underwriting criteria vary, and many homeowners in this ZIP have moved to the FAIR Plan after non-renewals.

03 What's the FAIR Plan coverage limit?

California FAIR Plan dwelling coverage is capped at $3 million per residence. Homes valued above this typically need a difference-in-conditions (DIC) policy from a non-admitted carrier to make up the gap. The FAIR Plan covers fire and basic perils only — it does not include theft, liability, or additional living expense (ALE) at the level of admitted-market homeowner policies.

04 How do I dispute a FAIR Plan denial?

If your FAIR Plan claim has been denied or undervalued, you have the right to request the denial in writing, demand a complete copy of your claim file, and request reinspection. Following the 2025 Aliff v. California FAIR Plan ruling, blanket smoke-damage denials are no longer permitted, opening many previously-denied claims for reopening. A licensed public adjuster can navigate this process on your behalf.