加利福尼亚州FAIR计划29.1%费率上调已生效：承保逾66.86万户，总风险敞口达7240亿美元
加利福尼亚州最后承保人计划 FAIR 计划的保费上调已经落地。按加利福尼亚州保险部数据，该计划获批 29.1% 的房主费率上调，自 10 月 15 日起生效，低于其最初申请的 35.8%。
FAIR 计划是加利福尼亚州为在常规市场买不到房主保险的居民设立的最后承保人安排。截至 2025 年底，该计划承保的房主保单超过 66.86 万份，较 2024 年秋季的 46.49 万份增加 44%。
随着承保规模扩大，该计划的总风险敞口已达 7240 亿美元，增幅为 230%。上述数字见诸 11 月 12 日前后刊出的保险行业报道，引用的为保险部口径。
新任州保险专员将于明年 1 月就职，房主保险的可得性与可负担性被列为其上任后的优先事项之一。
California FAIR Plan 29.1 Percent Rate Rise Is in Effect: More Than 668,600 Homeowner Policies and 724 Billion Dollars in Total Exposure
The California FAIR Plan, the state insurer of last resort, has put an approved rate increase into effect. According to California Department of Insurance figures, the plan received approval for a 29.1 percent homeowners rate increase effective October 15, 2026, down from the 35.8 percent it originally requested.
As of the end of 2025, the FAIR Plan covered more than 668,600 California homeowner policies, up 44 percent from 464,900 in the fall of 2024.
Total exposure has reached 724 billion dollars, an increase of 230 percent. The figures were carried in insurance industry reporting published around November 12, citing the Department of Insurance.
The availability and affordability of property insurance is expected to be an immediate priority for the incoming state insurance commissioner, who takes office in January.
来源：加利福尼亚州保险部
发布：GSM·美国（发布链接）
图片来源：图：美国西海岸上空烟雾云团卫星图（加州相关资料图）。European Union，European Union, Copernicus Sentinel-3 im，Wikimedia Commons。 / Photo: Satellite view of a smoke cloud over the U.S. West Coast. European Union, European Union, Copernicus Sentinel-3 im, via Wikimedia Commons.
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