CA| Bulletin 2025-17, issued by the California Department of Insurance, imposes a one-year mandatory moratorium on cancellations and non-renewals due to wildfire risk for residential property insurance policies in specified ZIP Codes in Mono County following Governor Newsom’s December 9, 2025 state of emergency declaration for the Pack Fire. This moratorium applies to all admitted and non-admitted insurers writing policies of residential property insurance as defined in Insurance Code sections 675.1 and 10087, including homeowners, condo unit owners, mobile homeowners, and residential renters policies, for properties in ZIP Codes 93512, 93514, 93529, and 93546. Insurers must also offer to rescind any wildfire-risk-based cancellations or non-renewals issued on or after December 9, 2025 for properties in those ZIP Codes and may be subject to additional ZIP Codes if later identified as within or adjacent to the fire perimeter.
Key Points:
- One-year moratorium (from December 9, 2025) on wildfire-risk cancellations and non-renewals for residential property policies in ZIP Codes 93512, 93514, 93529, and 93546 in Mono County.
- Applies to all admitted and non-admitted insurers and all “policy of residential property insurance” types, including homeowners, condo unit owners, mobilehome, and renters policies.
- Insurers must offer to rescind prior wildfire-risk cancellations/non-renewals issued after the emergency declaration for affected ZIP Codes, and additional ZIP Codes may be added by supplemental bulletin.