California FAIR Plan in 95345 (Midpines)

Sierra foothills community on Highway 140 toward Yosemite. Repeat fire exposure has driven admitted-carrier exit.

44.4%

FAIR Plan penetration

184

FAIR Plan policies (2024)

+16.8%

YoY change

Mariposa

County

Why is FAIR Plan exposure so high in 95345?

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 95345 reaches 44.4% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2017 Detwiler Fire · 2013 Rim Fire

Which carriers are still writing in 95345?

Most admitted carriers have non-renewed in 95345, leaving the California FAIR Plan as the primary coverage source for many homeowners here.

Common questions

Common questions about FAIR Plan claims in 95345

01 What is the FAIR Plan penetration in 95345?

As of 2024, approximately 184 of 414 homeowners in 95345 (44.4%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 95345?

Most admitted carriers have non-renewed policies in 95345, leaving the California FAIR Plan as the primary source of coverage for many homeowners. This is reflected in the FAIR Plan penetration of 44.4%.

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.