California FAIR Plan in 95628 (Fair Oaks)
American River-corridor properties carry brush-fire exposure that has driven admitted carriers to non-renew despite no recent named fire event.
17.4%
FAIR Plan penetration
1,086
FAIR Plan policies (2024)
+14.6%
YoY change
Sacramento
County
Why is FAIR Plan exposure so high in 95628?
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 95628 reaches 17.4% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.
Which carriers are still writing in 95628?
Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 95628:
- State Farm
- Farmers
- Mercury
Common questions
Common questions about FAIR Plan claims in 95628
01 What is the FAIR Plan penetration in 95628?
As of 2024, approximately 1,086 of 6,238 homeowners in 95628 (17.4%) are insured through the California FAIR Plan.
02 Which insurance carriers are still writing policies in 95628?
As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 95628: State Farm, Farmers, Mercury. 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.