California FAIR Plan in 95684 (Somerset)

El Dorado County wine country and mountain community. Mosquito Fire burned through the area in 2022; Caldor Fire passed nearby in 2021.

40.6%

FAIR Plan penetration

412

FAIR Plan policies (2024)

+21.7%

YoY change

El Dorado

County

Why is FAIR Plan exposure so high in 95684?

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 95684 reaches 40.6% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2021 Caldor Fire · 2022 Mosquito Fire

Which carriers are still writing in 95684?

Most admitted carriers have non-renewed in 95684, leaving the California FAIR Plan as the primary coverage source for many homeowners here.

Common questions

Common questions about FAIR Plan claims in 95684

01 What is the FAIR Plan penetration in 95684?

As of 2024, approximately 412 of 1,014 homeowners in 95684 (40.6%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 95684?

Most admitted carriers have non-renewed policies in 95684, leaving the California FAIR Plan as the primary source of coverage for many homeowners. This is reflected in the FAIR Plan penetration of 40.6%.

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.