Insurance
Home insurance non-renewals in SoCal, 2015–2023
How many home insurance policies were not renewed, county by county and in the hardest-hit ZIP codes, 2015–2023. The state's ZIP-level data stops at 2023.
23.4%
of home policies up for renewal in 92372 Pinon Hills (San Bernardino County) were not renewed in 2023.
That is 430 not renewed against 1,409 renewed. It was the highest rate in SoCal among ZIP codes with at least 1,189 policies up for renewal.
Riverside County, 2023
12.3% not renewed
−1.8 pts vs 2020All reasons: insurer or homeowner.
San Bernardino County, 2023
11.9% not renewed
−0.4 pts vs 2020All reasons: insurer or homeowner.
County by county
A non-renewal is a policy that came up for renewal and was not renewed. The rate is the share of those policies. New policies are not counted.
In 2019, insurers chose not to renew 4.6% of Riverside County policies up for renewal, up from 2.4% the year before. That was the biggest one-year jump in Southern California.
Share of policies up for renewal that the insurer chose not to renew, by county, 2015–2021
- Riverside
- San Bernardino
- Other counties (Los Angeles, Orange, San Diego, Ventura)
Insurer-initiated non-renewals, % of policies up for renewal
Show the numbers
| Year | County | Insurer-initiated non-renewal rate (%) |
|---|---|---|
| 2015 | Los Angeles | 2.2% |
| 2015 | Orange | 1.9% |
| 2015 | Riverside | 2.7% |
| 2015 | San Bernardino | 2.7% |
| 2015 | San Diego | 2.0% |
| 2015 | Ventura | 1.9% |
| 2016 | Los Angeles | 2.0% |
| 2016 | Orange | 1.8% |
| 2016 | Riverside | 2.8% |
| 2016 | San Bernardino | 2.6% |
| 2016 | San Diego | 2.0% |
| 2016 | Ventura | 1.6% |
| 2017 | Los Angeles | 1.9% |
| 2017 | Orange | 1.6% |
| 2017 | Riverside | 2.5% |
| 2017 | San Bernardino | 2.6% |
| 2017 | San Diego | 1.8% |
| 2017 | Ventura | 1.6% |
| 2018 | Los Angeles | 2.0% |
| 2018 | Orange | 1.7% |
| 2018 | Riverside | 2.4% |
| 2018 | San Bernardino | 2.5% |
| 2018 | San Diego | 2.0% |
| 2018 | Ventura | 1.7% |
| 2019 | Los Angeles | 2.2% |
| 2019 | Orange | 2.1% |
| 2019 | Riverside | 4.6% |
| 2019 | San Bernardino | 4.5% |
| 2019 | San Diego | 3.8% |
| 2019 | Ventura | 2.3% |
| 2020 | Los Angeles | 1.9% |
| 2020 | Orange | 1.8% |
| 2020 | Riverside | 3.0% |
| 2020 | San Bernardino | 2.9% |
| 2020 | San Diego | 2.5% |
| 2020 | Ventura | 1.9% |
| 2021 | Los Angeles | 2.7% |
| 2021 | Orange | 2.4% |
| 2021 | Riverside | 3.9% |
| 2021 | San Bernardino | 4.3% |
| 2021 | San Diego | 2.9% |
| 2021 | Ventura | 3.3% |
In Riverside County, 12.3% of policies up for renewal were not renewed in 2023, the lowest in this data. The peak was 16.4% in 2021 (older file).
Share of policies up for renewal that were not renewed, all reasons, Riverside County, 2015–2023
- Older CDI file (2015–2021)
- Newer CDI file (2020–2023)
Not renewed, % of policies up for renewal
Show the numbers
| Year | County | CDI file | Non-renewal rate, all reasons (%) |
|---|---|---|---|
| 2015 | Riverside | Older CDI file (2015–2021) | 13.6% |
| 2016 | Riverside | Older CDI file (2015–2021) | 14.2% |
| 2017 | Riverside | Older CDI file (2015–2021) | 13.9% |
| 2018 | Riverside | Older CDI file (2015–2021) | 13.7% |
| 2019 | Riverside | Older CDI file (2015–2021) | 16.1% |
| 2020 | Riverside | Older CDI file (2015–2021) | 15.1% |
| 2020 | Riverside | Newer CDI file (2020–2023) | 14.1% |
| 2021 | Riverside | Older CDI file (2015–2021) | 16.4% |
| 2021 | Riverside | Newer CDI file (2020–2023) | 15.7% |
| 2022 | Riverside | Newer CDI file (2020–2023) | 13.8% |
| 2023 | Riverside | Newer CDI file (2020–2023) | 12.3% |
The Inland Empire had the highest non-renewal rates in SoCal in 2023: Riverside 12.3%, San Bernardino 11.9%.
Share of policies up for renewal that were not renewed, all reasons, by county, 2023
Not renewed, % of policies up for renewal
Show the numbers
| County | Not renewed | Renewed | Non-renewal rate (%) |
|---|---|---|---|
| Riverside | 75,048 | 537,256 | 12.3% |
| San Bernardino | 57,513 | 427,345 | 11.9% |
| Los Angeles | 155,794 | 1,542,847 | 9.2% |
| Orange | 53,948 | 554,562 | 8.9% |
| San Diego | 62,684 | 597,401 | 9.5% |
| Ventura | 16,899 | 177,376 | 8.7% |
The ZIP codes with the most non-renewals
This list holds SoCal’s 50 ZIP codes with the highest non-renewal rate in 2023, among ZIPs with at least 1,189 policies up for renewal. 33 of the 50 are in Riverside or San Bernardino County. Orange and Ventura have none on it.
8 of the 12 highest-rate ZIP codes in SoCal were in the Inland Empire in 2023. 92372 Pinon Hills was highest at 23.4% (430 not renewed, 1,409 renewed).
Share of policies up for renewal that were not renewed, all reasons, top ZIP codes, 2023
Not renewed, % of policies up for renewal · Inland Empire in color
Show the numbers
| ZIP | Area (USPS name) | County | Up for renewal | Not renewed | Non-renewal rate (%) |
|---|---|---|---|---|---|
| 92372 | Pinon Hills | San Bernardino | 1,839 | 430 | 23.4% |
| 92371 | Phelan | San Bernardino | 4,325 | 965 | 22.3% |
| 92548 | Homeland | Riverside | 1,530 | 293 | 19.1% |
| 92397 | Wrightwood | San Bernardino | 1,474 | 266 | 18.1% |
| 92570 | Perris | Riverside | 9,852 | 1,764 | 17.9% |
| 93510 | Acton | Los Angeles | 2,105 | 371 | 17.6% |
| 93543 | Littlerock | Los Angeles | 3,409 | 578 | 17.0% |
| 92595 | Wildomar | Riverside | 8,772 | 1,483 | 16.9% |
| 91901 | Alpine | San Diego | 3,162 | 534 | 16.9% |
| 92241 | Desert Hot Springs | Riverside | 3,655 | 612 | 16.7% |
| 92082 | Valley Center | San Diego | 4,845 | 800 | 16.5% |
| 92276 | Thousand Palms | Riverside | 3,061 | 503 | 16.4% |
11 of these 12 ZIP codes had a higher rate in 2023 than in 2020.
Share of policies up for renewal that were not renewed, 2020 vs 2023, same ZIP codes
- 2020
- 2023
Show the numbers
| ZIP | Area (USPS name) | County | 2020 rate (%) | 2023 rate (%) | Change (points) |
|---|---|---|---|---|---|
| 92372 | Pinon Hills | San Bernardino | 17.0% | 23.4% | +6.3 pts |
| 92371 | Phelan | San Bernardino | 15.0% | 22.3% | +7.3 pts |
| 92548 | Homeland | Riverside | 15.3% | 19.1% | +3.8 pts |
| 92397 | Wrightwood | San Bernardino | 11.0% | 18.1% | +7.0 pts |
| 92570 | Perris | Riverside | 13.0% | 17.9% | +4.9 pts |
| 93510 | Acton | Los Angeles | 13.1% | 17.6% | +4.5 pts |
| 93543 | Littlerock | Los Angeles | 11.7% | 17.0% | +5.2 pts |
| 92595 | Wildomar | Riverside | 16.0% | 16.9% | +0.9 pts |
| 91901 | Alpine | San Diego | 12.4% | 16.9% | +4.4 pts |
| 92241 | Desert Hot Springs | Riverside | 17.7% | 16.7% | −0.9 pts |
| 92082 | Valley Center | San Diego | 13.4% | 16.5% | +3.1 pts |
| 92276 | Thousand Palms | Riverside | 14.8% | 16.4% | +1.7 pts |
What about wildfire?
What this does and doesn’t tell you
It tells you where home policies were not renewed, and how often, from 2015 to 2023. Through 2021 it also shows how many of those the insurer started.
- It stops at 2023. Nothing here covers 2024, 2025 or the January 2025 fires.
- It covers the regular market only. A non-renewal may mean the home moved to the FAIR Plan or a surplus-lines insurer. The data does not say which.
- After 2021 the state gives one total. It mixes insurer decisions with homeowners who sold or switched. A rise or fall can come from either.
- It counts policies, not homes. One home can have more than one policy.
- It does not say why a policy was dropped, and it does not measure fire risk.
This is a description of the market, not insurance advice. We will update this page when the state publishes newer ZIP-level data.
About this data
Rates are computed from the counts CDI publishes: not renewed ÷ (renewed + not renewed). ZIP place names are added by Restavo for readability.
- Home insurance non-renewals by county and ZIP, Southern California Observed
California Department of Insurance, Residential Property Voluntary Market New, Renewed and Non-Renewed Policies by ZIP Code, 2015-2021 (splits non-renewals by who started them); California Department of Insurance, Residential Insurance Voluntary Market New, Renewed and Non-Renewed Policies by ZIP Code, 2020-2023 (one non-renewal total); U.S. Census Bureau, 2020 ZCTA to County Relationship File (used to place each ZIP code in one county)
Covers through 2023. Retrieved .
Notes (6)
- Data ends 2023: these are the newest ZIP-level files the California Department of Insurance has published. They do not show the 2024-2025 market, such as insurer exits or the January 2025 Los Angeles fires.
- Voluntary market only: FAIR Plan (the insurer of last resort) and surplus-lines policies are not included. A homeowner who was not renewed may have moved to the FAIR Plan, another insurer, or no coverage; the data does not say which.
- Non-renewal rate = policies not renewed / policies that came up for renewal. New policies are not counted.
- Through 2021 the state splits non-renewals into insurer-initiated and policyholder-initiated. From 2022 it publishes one total, which also includes homeowners who sold or switched insurer.
- The two state releases overlap in 2020-2021 and do not match exactly; charts show both rather than joining them.
- Counts are policies, not homes; one home can have more than one policy. This describes the market and is not insurance advice.