California FAIR Plan in 91103 (Pasadena)

Northwest Pasadena, adjacent to the Eaton Fire burn zone. Higher FAIR Plan penetration than central Pasadena due to wildland-interface proximity.

11.6%

FAIR Plan penetration

687

FAIR Plan policies (2024)

+52%

YoY change

Los Angeles

County

Why is FAIR Plan exposure so high in 91103?

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 91103 reaches 11.6% and is growing rapidly (52% 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 91103?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91103:

State Farm
Farmers

Common questions

Common questions about FAIR Plan claims in 91103

01 What is the FAIR Plan penetration in 91103?

As of 2024, approximately 687 of 5,928 homeowners in 91103 (11.6%) are insured through the California FAIR Plan. This represents a year-over-year increase of 52%, reflecting accelerating admitted-carrier non-renewals.

02 Which insurance carriers are still writing policies in 91103?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91103: State Farm, Farmers. 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.