California
Is California home insurance cheap, considering the risks?
California property owners can expect the nation’s steepest insurance premium hikes this year.
Nevertheless, that surge will leave California property owners paying below U.S. norms, according to my trusty spreadsheet‘s peek at a report by policy tracker Insurify. Its numbers reflect what private insurers charge to cover properties across all 50 states and Washington, D.C.
For Californians, that means an estimated 16% jump in premiums for 2026. It’s the biggest jump in the country, four times the 4% hike a typical American faces.
Years of rising property damage are largely behind this, with the 2025 Los Angeles wildfires as the latest example.
After California, Nebraska is seeing a 13% increase, followed by New Mexico at 11% and Georgia at 10%. Meanwhile, policies are actually getting cheaper in Hawaii and Massachusetts (down 2%) and Maine (down 1%).
Relative bargain
Please do not be mad at me for relaying this insurance math.
Even after the 2026 increase, California property insurance remains a relative bargain compared with the rest of the country.
Lower California rates are one reason why many property owners have trouble finding coverage. State insurance regulation has made it difficult for insurers to raise their rates, even as their costs and risks surge.
Owners who cannot obtain insurance coverage most often use the state’s FAIR Plan. Those premiums are expected to rise by 29% next year.
Note that Insurify projects the average annual premium in California for 2026 will be $2,843, ranking 21st-highest among all states.
Do you know of many housing-related expenses where you can say California prices are 7% below the national norm?
The most expensive premiums are found in Florida at $8,458 per year, followed by Oklahoma at $5,205, Louisiana at $5,035, Nebraska at $4,560 and Texas at $4,529. These states face high risks from hurricanes, tornadoes or hail.
The cheapest insurance is in Vermont at $1,094 annually, followed by Maine at $1,359 and Utah at $1,370.
Even cheaper?
Keep in mind, the average Californian is insuring a very expensive property.
California insurance policies commonly cover $488,000 in repairs, according to Insurify. This is the second-highest amount among the states and 43% above the national average of $342,000.
Only Hawaii is higher at $500,000. The lowest policy coverage is in Oklahoma at $292,000.
Stack up what homeowners pay against how much coverage they get, and California’s pricing looks even more reasonable.
This premium-to-coverage ratio indicates that the typical Californian pays 0.6% of the coverage offered. That ranks No. 30 among the states and is one-third below the nation’s 0.9% ratio.
The highest ratios are in Florida (2.6%), Oklahoma (1.8%), Louisiana (1.7%) and Texas (1.4%). The lows were in Vermont, Alaska, the District of Columbia, New Hampshire and New Jersey, all at 0.4% or less.
Loss likelihood
If you own property in California, you probably already know this, but here’s a reminder of a never-ending risk: natural disasters.
My trusty spreadsheet also reviewed data from various government and industry sources to see how often disasters strike – and how much those ugly events cost. The incidents tracked include wildfires, floods, earthquakes, hurricanes, tornadoes, blizzards and hail.
To grade the 50 states and the District of Columbia on their relative natural disaster risks, five measures were developed that account for the frequency and damage of calamities, weighted against population and geographic size.
When you add it all up, California ranks third for the likelihood of expensive disasters.
Florida is the riskiest state, followed by Hawaii, California, Louisiana and Tennessee.
If you want a safer place, consider Alaska, Nevada, Utah, Arizona, or Wisconsin.
Of course, this is just a simple way to look at a complex problem that befuddles property owners, insurance companies and policymakers alike.
Clearly, these aren’t just California headaches. One-third of Americans live in 10 states with the highest risk.
How often
The history of disasters offers us clues as to where the next one may hit.
Look at the five measures used to create the risk rankings, starting with how often these disasters actually happen.
Using the number of federal disasters declared over the past decade and dividing that by each state’s square miles, California comes in at No. 9.
By this measure, the most disaster-prone are D.C., Rhode Island, Hawaii, Connecticut and Washington state. The least are Ohio, Wisconsin, Pennsylvania, Alaska and Michigan.
Next is the number of major storms per square mile.
California is much lower on this list, ranking 41st. The stormiest are D.C., New Jersey, Maryland, Hawaii and Rhode Island. The calmest are Alaska, Oregon, Nevada, Utah and Idaho.
The price tag
Think about what it costs to clean up after disasters. This is a major driver of home insurance premiums.
First, look at the dollar amount of damages divided by the number of people in each state. California ranks ninth-highest for disaster costs per person.
The biggest bills? Louisiana, Hawaii, Texas, Florida and Colorado. The smallest? Delaware, Rhode Island, Massachusetts, Connecticut and New Jersey.
Next, check out the cost per storm. California’s disasters are the fifth most expensive.
The most expensive storms happen in Florida, Louisiana, Texas and Oregon. The least expensive are in Delaware, Montana, Wyoming, Rhode Island and Kentucky.
Finally, if you look at insurance losses per person, California ranks fourth highest.
The largest insurance losses are in Colorado, Nebraska and Florida. After California, Wyoming is next. The lowest losses are in Utah, Hawaii, Nevada, Alaska and Oregon.
Clearly, the property-loss odds are stacked against Californians.
Skipping the costs
Some property owners take one look at their insurance bill and decide to go without.
LendingTree, using Census housing cost data, estimates 11% of California property owners have no homeowner’s insurance policy.
That’s the 11th-lowest level of no coverage among the states. The national rate is 14%.
West Virginia has the highest share of owners without coverage at 24%, followed by New Mexico at 23% and Louisiana at 21%. The fewest uninsured homes are in Colorado, Oregon and New Hampshire at 10%.
So why do so many Californians still pay for coverage?
Contemplate the estimated California premium against statewide household income to see that the cost is relatively affordable.
This 2.8% insurance-cost burden ranks No. 25 among the states. It’s also one-fifth of the nation’s 3.6%.
The highest burden? Florida at 11%, and Louisiana and Oklahoma at 8%. Lows? Vermont, New Hampshire, Utah and Maine, all 1%.
Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com
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California
‘Explosive diarrhea’ parasite surfaces in California as health officials fear statewide surge
A parasite that causes bouts of “explosive diarrhea” has surfaced in California as a fast-growing outbreak sweeps across the US — with health officials warning the state’s official case count likely captures only a fraction of the true number of infections.
State data show between that between 1 and 10 California cases have been linked to a broader statewide outbreak as authorities continue tracking the spread.
But officials say many infections are never confirmed because some people recover without seeking medical care or getting tested, the parasite requires specialized laboratory testing to detect, and confirmed cases can take about six weeks to be reported.
Most of California’s infections have been tied to international travel rather than the expanding multistate outbreak.
Across the country, at least 2,944 people in 32 states have been sickened, with Michigan bearing the brunt of the outbreak.
The state has reported 1,562 infections, roughly 31 times the approximately 50 cases it typically records in a year, and at least 44 people have been hospitalized.
Investigators are examining whether contaminated food is driving the spike, but they have not identified a specific produce item, supplier or grower responsible for the outbreak.
Cyclospora, the parasite behind the illness known as cyclosporiasis, is typically spread through food or water contaminated with feces.
Previous outbreaks have been traced to imported fresh produce, including raspberries, basil, snow peas, mesclun lettuce and cilantro.
According to the CDC, the illness can cause severe gastrointestinal symptoms, including watery diarrhea “with frequent and sometimes explosive bowel movements.”
Other symptoms include nausea, vomiting, abdominal pain, bloating, fatigue, loss of appetite and weight loss.
Symptoms usually begin about one week after infection, although they can appear anywhere from two days to two weeks later, making it more difficult for investigators to determine where someone was exposed.
The CDC recommends treating cyclosporiasis with the antibiotic trimethoprim-sulfamethoxazole, commonly sold as Bactrim, Septra and Cotrim, over a 10-day course.
As investigators continue searching for the source of the outbreak, some Taco Bell restaurants have temporarily removed fresh ingredients from their menus as a precaution.
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Locations, including some in Metro Detroit, posted notices telling customers they were temporarily unable to serve lettuce, cilantro, onions, pico de gallo and guacamole because of a nationwide recall while health officials respond to the increase in cyclosporiasis cases.
Restaurants in outbreak hot spots, including Michigan and Ohio, have also pulled raw lettuce, onions, cilantro-onion mix, pico de gallo and guacamole from their menus.
However, neither the CDC nor the Food and Drug Administration has linked Taco Bell to any reported illnesses.
California
Disneyland turns to cheaper evening passes and the internet speculation explodes
If you visit Disneyland with any frequency, a discount from the usual price of more than $100 a day would feel like a blessing.
However, almost as soon as Disney recently offered a rare chance to purchase limited evening passes to its two Southern California parks at about half of the regular cost, the online speculation among Disney enthusiasts behind the company’s strategy spiked. It was no surprise that the lower-priced tickets sold out in about a week.
Some fans referred to the five-hour ticket as a “recession” indicator on social media or as a way to “capture random stragglers.”
Others believed the ticket offered fireworks enthusiasts an opportunity to catch a nighttime spectacular, while one person said the pass allowed visitors to partake in other Southern California activities before finishing their evening at Disneyland.
Buyers of the pass are first set to attend the parks this Sunday, with dates extending until August.
Disneyland officials brush off the speculation, saying the ticket sale is business as usual. Fortunately for us, industry insider Dennis Speigel offered some analysis behind the move.
Let’s jump into the offer and his thoughts on the deal.
All about the ticket
Late last month, Disneyland offered a one-park evening pass for $59 to Disneyland or California Adventure. The ticket is good from Sundays to Wednesdays, starting this Sunday until Aug. 5.
California Adventure would allow evening patrons in at 5 p.m. until closing at 10 p.m. and Disneyland at 7 p.m. until closing at midnight.
A park reservation was still required for evening passes.
The tickets became available June 30 and sold out by July 6, according to a Disneyland spokesperson. Disneyland officials declined to say how many tickets were sold.
What’s Disneyland’s rationale?
The ticket offering is not all that rare.
Similar opportunities began as far back as 1957 with Disneyland date nights admission running from 5 p.m. to 1 a.m, a park spokesperson said.
“Our goal is to provide guests with a variety of limited-time ticket offers throughout the year — this being just one example of that,” a Disneyland spokesperson said.
Softer than a dole whip
Speigel, founder and chief executive of Cincinnati-based International Theme Park Services, Inc., a theme park consulting firm, said theme parks, ranging from small, regional locales to international destinations are struggling with a “softness” in admission demand that began in April but became more acute in June.
That slump at Disney and Universal Studios properties nationwide, Speigel said in a call with The Times, is due to three primary factors: the economy, weather and the Iranian War.
“There’s a nervousness from visitors, a lack of understanding of what to expect because of the war and economy,” he said. “We saw something like that last year driven by tariffs with soaring gas prices, and we monitored how people started moving back on their spending.”
Visitors still want deals
To counter that softness, Disney is turning to discounts, hoping to kindle interest, Speigel speculated.
“They understand their guests are in a crucible, and this drives the decision to discount,” he said. “People still want their escapes; that doesn’t go down. They just want to pay less to escape.”
Disney’s evening pass is also a shrewd offer because it aims to attract another type of guest: budget-minded locals who might be enticed by $59, Speigel said.
“It’s a smart attempt on Disney’s part,” Speigel said. “It moves in the local people who aren’t the season pass holders or tourists, and it fills the park. That’s what parks are looking to do right now.”
The week’s biggest stories
(Etienne Laurent / For the Times)
Boyle Heights fire
Two graduation traumas
Beach takeovers
Science and technology
What else is going on
Must-reads
Other meaty reads
For your downtime
(Stephanie Breijo / Los Angeles Times)
Going out
Staying in
L.A. Timeless
A selection of the very best reads from The Times’ 143-year archive.
Have a great day, from the Essential California team
Hailey Branson-Potts, staff reporter
Hugo Martín, assistant editor, fast break desk
Kevinisha Walker, multiplatform editor
Andrew J. Campa, weekend writer
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How can we make this newsletter more useful? Send comments to essentialcalifornia@latimes.com. Check our top stories, topics and the latest articles on latimes.com.
California
Amber Alert issued for 3-year-old out of California City in Kern County
CALIFORNIA CITY, Calif. (KABC) — An Amber Alert was issued Friday by the California Highway Patrol for a 3-year-old child out of California City believed to be in imminent danger.
Emaria Peel, 3, was last seen Friday at about 7:17 p.m. in the area of Redwood Boulevard and 83rd Street in California City, according to police.
Authorities believe 31-year-old Charnay Mclin took Emaria. Investigators have not yet said what relationship, if any, Mclin has to the child.
The suspect was described as being 5 feet 9 inches tall, 185 pounds, with black hair and brown eyes.
The child was described as being 1 foot 6 inches, 20 pounds, with black hair and brown eyes.
Police believe they’re traveling in a gold-colored 2021 Kia Sorento with the California license plate: 36095DV
Mclin is considered armed and dangerous. Authorities wants anyone who sees them to call 911.
No further details were immediately known.
Copyright © 2026 KABC Television, LLC. All rights reserved.
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