California FAIR Plan in 95629 (Fiddletown)

Sierra foothill community in Amador County. Small housing stock; admitted carriers have largely exited following the 2022 Electra Fire.

46.7%

FAIR Plan penetration

142

FAIR Plan policies (2024)

+17.3%

YoY change

Amador

County

Why is FAIR Plan exposure so high in 95629?

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 95629 reaches 46.7% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2022 Electra Fire

Which carriers are still writing in 95629?

Most admitted carriers have non-renewed in 95629, leaving the California FAIR Plan as the primary coverage source for many homeowners here.

Common questions

Common questions about FAIR Plan claims in 95629

01 What is the FAIR Plan penetration in 95629?

As of 2024, approximately 142 of 304 homeowners in 95629 (46.7%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 95629?

Most admitted carriers have non-renewed policies in 95629, leaving the California FAIR Plan as the primary source of coverage for many homeowners. This is reflected in the FAIR Plan penetration of 46.7%.

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.