California FAIR Plan in 91104 (Pasadena)

East Pasadena, including areas immediately south of the Eaton Fire perimeter. Heavy smoke and ember-cast damage. Year-over-year FAIR Plan growth nearly 90%.

15%

FAIR Plan penetration

944

FAIR Plan policies (2024)

+88%

YoY change

Los Angeles

County

Why is FAIR Plan exposure so high in 91104?

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 91104 reaches 15% and is growing rapidly (88% 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 91104?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91104:

Mercury Insurance

Common questions

Common questions about FAIR Plan claims in 91104

01 What is the FAIR Plan penetration in 91104?

As of 2024, approximately 944 of 6,313 homeowners in 91104 (15%) are insured through the California FAIR Plan. This represents a year-over-year increase of 88%, reflecting accelerating admitted-carrier non-renewals.

02 Which insurance carriers are still writing policies in 91104?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91104: 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.