California FAIR Plan calculator: what will it actually cost, DIC wrap included?
This calculator estimates a California FAIR Plan premium from your coverage amount and fire-risk tier, then shows what a DIC wrap adds on top. The FAIR Plan's own calculator prices fire-only coverage and skips the wrap, and most homeowners need both. Use this for a realistic all-in ballpark, then get your exact number from the official source.
Want the reported averages first? How much the California FAIR Plan costs: averages, the four parts of the bill and the supplemental fee.
What the FAIR Plan won't cover — 3 minutes, plain English.
Before you run the numbers below, here's the fire-only coverage gap and the 2026 rule changes explained on video.
Estimate your total, not just the FAIR Plan piece.
Nothing here is sent anywhere — the math runs in your browser. This is a modeled estimate for budgeting, not a quote; see "How this is estimated" below for the exact reference data behind it.
- FAIR Plan bands are modeled at $350–$550 per $100,000 of coverage per year for your selected risk tier, anchored to a real cited example: a $2M dwelling in a foothill county running $7,000–$11,000/year (source: FireRisk.ai, 2026), consistent with reported statewide averages of roughly $3,000–$3,200/year and a full observed range of $92 to over $32,000/year depending on the individual property (source: SF Chronicle / Yahoo Finance, Sept. 2025 FAIR Plan ZIP-code data).
- The DIC wrap add-on uses the same 25%–60% multiplier cited on our FAIR Plan quote & DIC wrap page, sourced from Latent Insurance's DIC wrap guide.
- These bands don't yet reflect the FAIR Plan's 29.1% dwelling rate increase effective October 15, 2026 — treat this estimate as a floor, not a ceiling, for policies renewing after that date.
What the FAIR Plan calculator shows for common homes.
These are the calculator's own outputs for three coverage amounts and each risk tier, with the DIC wrap included. They use the same bands as the tool above, rounded to the nearest $50, so they share its limits: a budgeting range, not a quote, and not yet adjusted for the 29.1% rate increase effective October 15, 2026.
| Coverage | Risk tier | FAIR Plan / yr | DIC wrap / yr | All-in / yr |
|---|---|---|---|---|
| $300,000 | Lower risk | $450–$900 | $100–$550 | $550–$1,450 |
| $300,000 | Moderate-to-high risk | $1,050–$1,650 | $250–$1,000 | $1,300–$2,650 |
| $300,000 | Very high risk | $2,100–$3,600 | $550–$2,150 | $2,650–$5,750 |
| $500,000 | Lower risk | $750–$1,500 | $200–$900 | $950–$2,400 |
| $500,000 | Moderate-to-high risk | $1,750–$2,750 | $450–$1,650 | $2,200–$4,400 |
| $500,000 | Very high risk | $3,500–$6,000 | $900–$3,600 | $4,400–$9,600 |
| $1,000,000 | Lower risk | $1,500–$3,000 | $400–$1,800 | $1,900–$4,800 |
| $1,000,000 | Moderate-to-high risk | $3,500–$5,500 | $900–$3,300 | $4,400–$8,800 |
| $1,000,000 | Very high risk | $7,000–$12,000 | $1,750–$7,200 | $8,750–$19,200 |
- Why the ranges are wide: FAIR Plan pricing depends mostly on how likely the home is to burn and what it costs to rebuild. Reported premiums have run from about $92 to over $32,000 a year for individual properties.
- Why the DIC range is wider still: the wrap is modeled at 25% to 60% of the FAIR Plan premium. The low end of the all-in range pairs the cheapest FAIR Plan figure with the cheapest wrap, and the high end pairs the two highest.
- What it is not: a replacement for regular home insurance pricing. If a standard insurer will write your home, compare that quote first, since a single home insurance policy usually covers more perils than the FAIR Plan alone.
How you can pay the FAIR Plan premium.
Once you have an estimate, plan how you'll pay it. The FAIR Plan publishes three payment plans and a short list of fees:
- Full Pay: one payment of the annual premium, with no installment fee on Dwelling Fire policies.
- Triannual (3 Pay): 40%, 30% and 30% of the annual premium, at $4.50 per installment.
- Monthly (11 Pay): an initial payment of 16.67% plus 10 equal payments, at $4.50 per installment.
- Card vs. bank: ACH payments have no processing fee; credit and debit cards carry a 3.5% fee charged by a third-party vendor.
The DIC wrap is a separate policy from a separate carrier, so it is billed separately. Details, autopay rules and what we couldn't verify are on our California FAIR Plan payment guide. Source: California FAIR Plan, Payment Plan Options.
The FAIR Plan and the DIC wrap are always separate policies.
The FAIR Plan only ever covers fire, lightning, smoke, and internal explosion — by law, it can't sell you anything broader. Everything else comes from a second carrier.
Fire, lightning, smoke damage, internal explosion
Water damage, theft, liability, loss-of-use, and most other perils
Flood (needs separate NFIP/private flood) or earthquake (needs separate CEA policy)
What people ask before trusting a calculator.
How accurate is this California FAIR Plan calculator?
It's a ballpark, not a quote. It scales published statewide and reference-property FAIR Plan pricing by your coverage amount and a self-assessed fire-risk tier, so it's useful for budgeting before you talk to a broker. For a real, address-specific number, use the FAIR Plan Association's own official Premium Calculator at cfpnet.com, which factors your exact ZIP code, construction, and distance to a fire station.
Why doesn't the official FAIR Plan calculator include DIC wrap costs?
Because the FAIR Plan itself doesn't sell DIC coverage — it only covers fire, lightning, smoke, and internal explosion. A DIC wrap is a separate policy from a separate carrier that adds water damage, theft, and liability coverage on top. The FAIR Plan's calculator can only price what it sells; this tool adds a typical DIC estimate so you can see the realistic all-in cost of actually being fully covered.
Why do California FAIR Plan premiums vary so much by property?
Reported FAIR Plan premiums statewide have ranged from about $92 a year to over $32,000 a year for individual properties, because pricing is driven almost entirely by two factors: how likely the property is to burn, and how much it would cost to rebuild. A low-risk home with modest coverage in an urban area can pay under $300 a year; a high-value home deep in a wildland-urban interface zone can pay tens of thousands.
How much coverage amount should I enter?
Use your home's estimated rebuild (replacement) cost, not its market value or purchase price — these are often very different numbers. The FAIR Plan does not calculate this for you; you or your broker need to bring an accurate replacement-cost figure to the application, since underinsuring this is one of the most common reasons homeowners come up short after a total loss.