California FAIR Plan in 94574 (St. Helena)

Upper Napa Valley. Glass Fire burned hillside vineyards in 2020; Atlas Fire affected eastern hills in 2017. High-net-worth carriers still write valley-floor estates.

32.4%

FAIR Plan penetration

1,614

FAIR Plan policies (2024)

+11.9%

YoY change

Napa

County

Why is FAIR Plan exposure so high in 94574?

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 94574 reaches 32.4% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2020 Glass Fire · 2017 Atlas Fire

Which carriers are still writing in 94574?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 94574:

Chubb
AIG Private Client

Common questions

Common questions about FAIR Plan claims in 94574

01 What is the FAIR Plan penetration in 94574?

As of 2024, approximately 1,614 of 4,986 homeowners in 94574 (32.4%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 94574?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 94574: Chubb, AIG Private Client. 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.