California FAIR Plan in 93023 (Ojai)

Ojai Valley with ridgeline and oak-canyon exposure. Thomas Fire (2017) and Mountain Fire (2024) bracketed the area. High-value boutique market with FAIR Plan + DIC dominant.

35%

FAIR Plan penetration

2,186

FAIR Plan policies (2024)

+18.4%

YoY change

Ventura

County

Why is FAIR Plan exposure so high in 93023?

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 93023 reaches 35% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2017 Thomas Fire · 2024 Mountain Fire

Which carriers are still writing in 93023?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93023:

Chubb

Common questions

Common questions about FAIR Plan claims in 93023

01 What is the FAIR Plan penetration in 93023?

As of 2024, approximately 2,186 of 6,248 homeowners in 93023 (35%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 93023?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93023: Chubb. 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.