Non-Renewal Data High Fire Risk ZIP Codes

CALIFORNIA DEPARTMENT OF INSURANCE Number of New, Renewed, and Non-Renewed Residential Dwelling Policies

in Moderate to Very High Fire Risk ZIP Codes Based on CalFire's State Responsibility Area Map

California FAIR Plan

TOTAL (New + Renewed)

New

Renewed

Non-Renewed (Insured Initiated)

Non-Renewed (Insurer Initiated)

Calendar Year

2018 2017 2016 2015

Non-State Responsibility

Area

90,331 94,801 99,075 102,376

State

YoY Percent SRA

Non-State

Responsibility Change in Percentage Responsibility

Area (SRA?)

SRA

to Total

Area

48,891 45,511 42,117 39,015

7.4% 8.1% 8.0%

35.1% 32.4% 29.8% 27.6%

9,495 10,187 11,679 11,990

State Responsibility

Area (SRA?)

12,353 11,830 10,964 10,750

SRA Percentage

to Total

56.5% 53.7% 48.4% 47.3%

Non-State Responsibility

Area

80,836 84,614 87,396 90,386

State Responsibility Area (SRA?)

36,538 33,681 31,153 28,265

SRA Percentage

to Total

31.1% 28.5% 26.3% 23.8%

Non-State Responsibility

Area

9,896 10,444 10,785 10,489

State

YoY Percent SRA

Non-State

Responsibility Change in Percentage Responsibility

Area (SRA?)

SRA

to Total

Area

7,061 6,322 5,729 4,805

11.7% 10.4% 19.2%

41.6% 37.7% 34.7% 31.4%

2,902 2,942 3,229 3,452

State

YoY Percent SRA

Responsibility Change in Percentage

Area (SRA?)

SRA

to Total

2,270 2,032 2,236 2,198

11.7% -9.1% 1.7%

43.9% 40.9% 40.9% 38.9%

Surplus Lines

TOTAL (New + Renewed)

New

Renewed

Calendar Year

2018 2017 2016 2015 2014 2013 2012

Non-State Responsibility

Area

4,120 3,955 4,047 3,791 11,179 9,525 6,386

State

YoY Percent

Non-State

Responsibility Change in SRA to State Responsibility

Area (SRA?)

SRA Percentage

Area

15,636 13,726 12,560 10,521

13.9% 9.3% 19.4%

79.1% 77.6% 75.6% 73.5%

1,726 1,521 1,620 1,590

7,895 6,373 3,951

70.6% 66.9% 61.9%

5,114 5,284 2,885

State

Non-State

Responsibility SRA to State Responsibility

Area (SRA?) Percentage

Area

6,502 5,136 5,798 4,886

79.0% 77.2% 78.2% 75.4%

2,394 2,434 2,427 2,201

3,736 3,762 1,874

73.1% 71.2% 65.0%

6,065 4,241 3,501

State Responsibility SRA to State Area (SRA?) Percentage

9,134 8,590 6,762 5,635

79.2% 77.9% 73.6% 71.9%

4,159 2,611 2,077

68.6% 61.6% 59.3%

Voluntary Market

TOTAL (New + Renewed)

New

Renewed

Non-Renewed (Insured Initiated)

Non-Renewed (Insurer Initiated)

Calendar Year

2018 2017 2016 2015

Non-State Responsibility

Area

4,240,392 4,240,015 4,214,126 4,162,906

State Responsibility Area (SRA?)

4,302,128 4,305,414 4,286,163 4,238,488

YoY Percent SRA

Change in Percentage

SRA

to Total

-0.1%

50.4%

0.4%

50.4%

1.1%

50.4% 50.4%

Non-State Responsibility

Area

470,595 484,090 477,244 471,578

State Responsibility

Area (SRA?)

501,214 502,946 497,356 483,109

SRA Percentage

to Total

51.6% 51.0% 51.0% 50.6%

Non-State Responsibility

Area

3,769,797 3,755,925 3,736,882 3,691,328

State Responsibility Area (SRA?)

3,800,914 3,802,468 3,788,807 3,755,379

SRA Percentage

to Total

50.2% 50.3% 50.3% 50.4%

Non-State Responsibility

Area

356,272 368,747 356,935 358,165

State Responsibility

Area (SRA?)

375,388 380,723 370,215 360,398

YoY Percent SRA

Change in Percentage

SRA

to Total

-1.4%

51.3%

2.8%

50.8%

2.7%

50.9% 50.2%

Non-State Responsibility

Area

79,383 78,497 80,552 84,774

State

YoY Percent SRA

Responsibility Change in Percentage

Area (SRA?)

SRA

to Total

88,187

5.5%

52.6%

83,551

-3.8%

51.6%

86,807 89,571

-3.1%

51.9% 51.4%

DEMOGRAPHICS: Estimate Total Households ?

Calendar Year

2018 2017 2016 2015

Non-State Responsibility

Area

7,664,665 7,621,141 7,489,086 7,412,658

State

YoY Percent YoY Percent

Responsibility Change in Change in

Area (SRA?) non-SRA

SRA

5,671,402

0.6%

0.5%

5,642,963

1.8%

1.9%

5,540,200

1.0%

0.4%

5,519,808

? State Responsibility Area (SRA): CalFire created a fire map depicting moderate to very high fire hazard severity zones in California that was adopted on November 7, 2007. We were able to conjoin the fire zones with ZIP codes to identify the ZIP codes affected. However, we have no means to determine to which extent. ? A household is composed of one or more people who occupy a housing unit. Keep in mind that these housing units also include apartment complexes which are normally insured under a commercial policy.

August 20, 2019

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