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Starting April 2026, California’s FAIR Plan will use climate risk to set home insurance prices - and your ZIP code could make a huge difference. ✅ Lower wildfire-risk areas (like much of Alameda County, the Peninsula, and the South Bay) could see rates DROP by up to 50%.� 🔥 Higher-risk zones could see increases of 5% to 60%. The average change is about 36%, but averages mean nothing — it’s all about your specific risk zone. 📍 Comment your ZIP and I’ll share what to expect in your neighborhood.
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