Insurance Protection for Mono & Inyo County Homeowners After the Pack Fire

If you live in Mammoth Lakes, June Lake, or anywhere in Mono or Inyo County, here’s important news that can help bring peace of mind after the Pack Fire.

On December 18, 2025, California Insurance Commissioner Ricardo Lara issued a formal order requiring insurance companies to keep residential property insurance coverage in place for homeowners affected by the Pack Fire. This order follows the Governor’s emergency declaration on December 9, 2025 and is designed to protect homeowners from losing coverage after a wildfire emergency. California Department of Insurance+1

What the Moratorium Means for Homeowners

Under this order:

• Insurance companies may not cancel or non-renew residential property insurance due to wildfire risk alone for one year from the emergency declaration date (through December 8, 2026). California Department of Insurance

• This applies whether or not you suffered direct fire damage. California Department of Insurance

• The protection covers homeowners, condo owners, mobile homeowners, and renters with residential property insurance in the impacted areas. California Department of Insurance

ZIP Codes Included in the Moratorium

The moratorium specifically applies to properties located in these ZIP Codes affected by the Pack Fire:

• 93512

• 93514

• 93529

• 93546

If your home is in one of these ZIP Codes, your insurer cannot issue a non-renewal or cancellation based on wildfire risk for the next year (California Department of Insurance).

What This Means for Mammoth Lakes & June Lake

Many residents in the Eastern Sierra worry about insurance availability after wildfires. Even if you didn’t suffer property damage, insurers sometimes issue non-renewals based on wildfire proximity alone. This moratorium gives homeowners in Mammoth Lakes, June Lake, and nearby communities a critical window of stability where coverage must be maintained. California Department of Insurance

Where to Learn More & What to Do Next

• Visit the California Department of Insurance’s moratorium page to check ZIP codes and find additional details:
  https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm California Department of Insurance

• If you’ve received a non-renewal or cancellation notice due to wildfire risk, contact your insurance company right away and ask for reinstatement.

• You can also contact the California Department of Insurance Consumer Hotline at 800-927-4357 or use their online chat/email options for help. California Department of Insurance

A Bit of Reassurance

Wildfire risk continues to affect insurance markets across California, especially in mountain and forest communities. This moratorium gives local homeowners breathing room to stay insured while exploring long-term coverage options or home hardening improvements.

If you have questions about how this impacts buying, selling, or owning property in Mammoth Lakes or June Lake, let’s talk about it — we are here to help.