Wildfire 'distressed' residential ZIP codes in California

The highlighted regions show ZIP codes the state has identified as areas of elevated wildfire risk, where insurance premiums are generally high and incomes are relatively low.

The California Department of Insurance used insurance data first to identify ZIP Codes in areas of wildfire hazard where more than 15% of policies are written by the California FAIR Plan, the state's insurer of last resort, as well as ZIP Codes where incomes are low and insurance premiums are high, namely above $4 per $1,000 of coverage. To be more inclusive, the department also identified counties where greater than 20% of homes are considered high risk by a review of that county’s aggregate fire risk scores.