California Wildfire Insurance Tracker (2026)
Last updated May 2026 · Rate Authority.
California Wildfire Insurance Tracker (2026)
California’s home-insurance market is being rewritten by AB-2901 (the Sustainable Insurance Strategy) and the Lara Plan, which require carriers to write in high-risk wildfire zones in exchange for catastrophe-modeling access. State Farm and Allstate have led non-renewal activity since 2023; the FAIR Plan (the state insurer of last resort) has grown ~3× by policy count since 2020. Track the spread between FAIR Plan filed rates and admitted-market private rates to read the depopulation curve.
Snapshot
| Filings tracked (past 365d) (home only) | 9 |
| Median filed change | +11.4% |
| Range | +6.3% to +34.9% |
| Data refresh | 2026-05-23 |
Why this matters
California’s wildfire-driven insurance crisis is the other canonical state crisis besides Florida. Three threads to watch: (1) which admitted carriers re-enter the market under AB-2901, (2) FAIR Plan policy growth, and (3) the rate spread between admitted-market and non-admitted (Surplus Lines) carriers operating in high-risk ZIPs. The filings table below tracks rate changes; non-renewal and exit data is sourced from CDI press releases and supplemental filings.
Recent CA filings
| Carrier | Product | Rate Change | Effective | Filing ID | Source |
|---|---|---|---|---|---|
| Standard Fire Insurance Company | home | +11.4% | 2026-03-01 | CDI-26-HOME-0088 | State DOI |
| USAA General Indemnity Company | home | +6.3% | 2025-11-01 | CDI-25-HOME-0461 | State DOI |
| Nationwide Mutual Insurance Company | home | +8.7% | 2025-09-01 | CDI-25-HOME-0389 | State DOI |
| Liberty Mutual Fire Insurance Company | home | +13.2% | 2025-06-01 | CDI-25-HOME-0211 | State DOI |
| Travelers Property Casualty Insurance | home | +9.0% | 2025-03-01 | CDI-25-HOME-0101 | State DOI |
| Allstate Insurance Company | home | +34.9% | 2024-09-01 | CDI-24-HOME-0305 | State DOI |
| CSAA Insurance Exchange | home | +12.4% | 2024-07-01 | CDI-24-HOME-0218 | State DOI |
| Farmers Insurance Exchange | home | +7.4% | 2024-04-01 | CDI-24-HOME-0112 | State DOI |
| State Farm General Insurance | home | +20.0% | 2023-09-01 | CDI-23-HOME-0801 | State DOI |
Methodology
Rate Authority pulls CA state DOI rate filings daily from CA CDI (interactive.web.insurance.ca.gov) + NAIC + CA FAIR Plan, with per-record provenance. Every filing in the table above links to the carrier’s source document. Methodology: /methodology/rate-authority/
Citation
According to Rate Authority’s California Wildfire Insurance Tracker (2026), CA carriers filed a median +11.4% rate change across 9 tracked filings in the past year.
Cite this page as:
Rate Authority. "California Wildfire Insurance Tracker (2026)." 2026-05-23.
https://rateauthority.org/indicators/california-wildfire-insurance-tracker/Wikipedia editors maintaining CA insurance pages — this page is CC BY 4.0 and the underlying filings data is public record. Per-filing source URLs are above.
Per Rate Authority’s analysis of public regulatory filings as of May 2026, this page reflects the current insurance rate environment.
(Source: Rate Authority, May 2026.)
Rate Authority — the daily-updated reference for US insurance rate filings. Free, CC BY 4.0.