On December 18 Commissioner Lara issued a moratorium on nonrenewals for residential property policies for residents in or near areas threatened by wildfires. The moratorium lasts for one year and is predicated on a declared state of emergency by the governor for the specific area. The moratorium is specific to nonrenewals based on the location of the insured property within an area that sustained a wildfire. Other reasons for nonrenewal are not impacted.

To determine the areas impacted, the Department of Forestry and Fire Protection, in conjunction with the Office of Emergency Services, will provide the commissioner with data describing the fire perimeter so that the commissioner can determine what zip codes are impacted.

The bulletin from the department lays out the zip codes as follows:

Therefore, due to the Governor's October 11, 2019 Declaration, no admitted or non-admitted insurer shall cancel or non-renew for one year policies of residential property insurance due to wildfire risk in the following ZIP Codes:

Saddleridge Fire 91342, 91344, 91326, 91311, 91321, 91381, 93063, 91331, 91350, 91355, 91387, 91304, 91354, 91343, 91306, 91351, 91352, 91325, 91042, 91324, 91040, 91384, 91340, 91390, 91345, 93015, 93510, 93040, and 91330.

Eagle Fire 95423, 95422, 95451, 95493, 95458, 95987, 95464, 95485, 95979, and 95443. Sandalwood Fire 92373, 92320, 92374, 92399, 92223, 92555, 92324, 92557, 92354, 92318, and 92350.

Reche Fire 92324, 92509, 92376, 92557, 92507, 92373, 92410, 92354, 92316, 92501, 92313, 92408, 92401, 92318, 92350, 92521, and 92415.

Wolf Fire 92220, 92223, 92399, 92583, 92549, 92256, 92230, 92339, and 92282.

Due to the Governor's October 25, 2019 Declaration, no admitted or non-admitted insurer shall cancel or non-renew for one year policies of residential property insurance due to wildfire risk in the following ZIP Codes:

Kincade Fire 95403, 95404, 95492, 95448, 95425, 94515, 95461, 95441, 94928, 95401, 95409, 95407, 95405, 95451, 94574, 95446, 95436, 95467, 95457, 95442, 94951, 95445, 95421, 94508, 95449, 95452, 95439, 94567, and 94576.

Tick Fire 91387, 91351, 91390, 91342, 93551, 91350, 91354, 91321, 91384, 93510, and 93532. Due to the Governor's October 27, 2019 Declaration, no admitted or non-admitted insurer shall cancel or non-renew for one year policies of residential property insurance due to wildfire risk in the following ZIP Codes:

Getty Fire 90049, 90025, 90024, 90272, 90403, 91403, 91436, 90402, 90077, 90095, and 90073.

Hill Fire 92509, 92504, 92324, 92505, 91752, 92337, 92316, and 92501.

Maria Fire 93060, 93066, 93003, 93010, 93012, 93021, 93001, 93036, 93004, 93023, 93015, and 93022.

[Old] Water Fire 92404, 92346, 92407, 92410, 92405, 92325, and 92322.

46 Fire 92509, 92504, 92503, 92506, 92324, 92505, 92570, 92508, 91752, 92337, 92316, and 92501.

Hillside Fire 92407, 92345, 92376, 92346, 92308, 92314, 92404, 92315, 92405, 92352, 92344, 92377, 92371, 92411, 92325, 92382, 92397, 92359, 92386, 92391, 92341, 92333, 92322, 92321, 92358, 91759, 92317, 92378, and 92385.

Easy Fire 93065, 91360, 93021, 93063, 91320, 93012, 91362, 91361, 91307, 93015, and 93066.

Sky Fire 94553, 94572, 94525, 94523, 94549, 94520, 94530, 94803, 94547, 94563, 94564, 94708, and 94569.

Glen Cove Fire 94591, 94534, 94590, 94510, 94589, and 94503.

A full copy of the department bulletin can be found here:

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