The Crisis Is Real — but It Is Not the Same in Every County
Everything you have read about California homeowners insurance is true. Carriers are leaving. Premiums are climbing. The FAIR Plan is becoming a primary insurer for communities that used to have fifteen options at competitive prices. Los Angeles County homeowners are paying $6,000, $8,000, sometimes more per year — if they can find coverage at all.
But California is not one county. It is 58.
And a new study published this week by the Times Herald confirmed something most of the California insurance coverage has missed: Solano County — the largely flat, agricultural, Bay Area-adjacent county that sits between Sacramento and San Francisco — has the lowest wildfire threat risk and the lowest home insurance costs of any county in the Bay Area region…