San Diego fire crews put down a fire near Fairmont Avenue and Aldine Drive in San Diego, Calif., October 15, 2019. (Zoë Meyers/inewsource)

Homeowners insurance policies are being dropped across San Diego County at increasing rates — and not just in rural areas, inewsource found in an analysis of California Department of Insurance data. 

Homes are at more risk for wildfire if they are next to open space or a canyon, and insurance experts say that’s what’s making it harder to secure affordable insurance.

inewsource found that seven out of 10 insured homes in San Diego County were located in ZIP codes where insurers increased the share of policies they dropped from 2015 to 2019. inewsource created the tool below so you can explore the latest data from the Insurance Department yourself to see the trends in your ZIP code.

And read more about the findings from inewsource’s analysis, concerns from city and rural residents, and what government officials are doing to address the problem here.

Need insurance?

You can look up a list of insurance companies and a list of agents and brokers available in your ZIP code, as well as whether they’ll take you on if you’re at higher fire risk, using a tool developed by the Insurance Department. 

If your policy gets dropped by your insurer, experts recommend acting quickly, shopping around, making sure your policy covers the full value of your home and turning to the California FAIR Plan only as a last resort.

Type of Content

News: Based on facts, either observed and verified directly by the reporter, or reported and verified from knowledgeable sources.

Camille von Kaenel is a former investigative reporter for inewsource focused on environment and energy in San Diego and Imperial counties. Her position was partly funded by Report for America, a national program that supports local journalists. Previously, she covered growth and development in San...