State Farm General’s 17% emergency homeowners rate increase took effect June 1, 2025. The company had asked for more after the Palisades and Eaton fires. Commissioner Lara approved 17% for homeowners. In return, State Farm had to end new block nonrenewal programs on HO-3, renters, and condo through the end of 2025.
An analysis of CDI and Census data later estimated the average State Farm homeowner in California would pay about $737 more in 2025 than in 2023 — a 39% two-year climb — before any later filing. High-value ZIP codes moved more. Calabasas 91302 was cited as an extreme.
If you stayed with State Farm, the bill went up so the policy could stay. If you were already on the FAIR Plan, this filing is not your rate — the residual market has its own. Either way, shop it. A 17% statewide number is an average, not your house.
If this is on your renewal, call the office at (619) 420-8600 or start a quote. We will tell you what the market will actually write.
Sources: Insurance.com on the June 2025 State Farm increase; Center for Climate Integrity 2025 update.