Atlas Health Insurance Solutions
2126 5th Avenue, Oroville, CA 95965
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2126 5th Avenue, Oroville, CA 95965
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2640 South 5th Ave, Suite 1, Oroville, CA 95965
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2120 Robinson St C, Oroville, CA 95965
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2120 Robinson St, Oroville, CA 95965
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2057 Mitchell Ave, Oroville, CA 95966
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Learn about insurance coverage options specific to Oroville residents.
Complete 2026 insurance guide for Oroville, California covering new auto requirements, wildfire home insurance costs, flood coverage, and local agents.
Home InsuranceGet the facts on Oroville home insurance costs, wildfire risk, flood coverage near the dam, and new California laws for 2026. Protect your investment.
Car InsuranceCalifornia doubled minimum auto insurance to 30/60/15 in 2025. Learn what Oroville drivers need to know about at-fault coverage, CA-70 risks, and Butte County rates.
California requires 30/60/15 coverage starting when your policy renews after January 1, 2025. This means $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage. These minimums doubled from the previous 15/30/5 requirements and will remain in effect until 2035 when they increase again.
Oroville is located in the Sierra Nevada foothills, which insurers classify as high wildfire risk. After the devastating Camp Fire in nearby Paradise, carriers increased rates significantly in foothill communities. Many Oroville homeowners have seen premium increases of 30% or more, and some have been non-renewed entirely, forcing them into the more expensive FAIR Plan.
Standard homeowners policies don't cover flood damage, and NFIP flood zone maps don't account for dam failure scenarios. Given Oroville's proximity to the dam and the 2017 spillway crisis that evacuated 180,000 people, flood insurance is worth serious consideration even if you're outside the mapped 100-year flood zone. Policies are relatively inexpensive for low-risk properties and have a 30-day waiting period.
About 17% of California drivers are uninsured, meaning roughly one in five vehicles on the road has no coverage. If an uninsured driver causes an accident and you have serious injuries, uninsured motorist (UM) coverage on your own policy is what protects you. Without UM coverage, you'd have to sue the at-fault driver personally, and most uninsured drivers don't have assets to pay a judgment.
Local agents understand regional challenges like which neighborhoods are having trouble getting coverage, wildfire risk factors specific to Butte County, and dam-related flood concerns. Established Oroville agents like Bruce Karolyi and Jim Fugate have decades of experience and relationships with multiple carriers, which is valuable when standard markets are restricting coverage in high-risk areas.
The FAIR Plan is California's insurer of last resort for property owners who can't get coverage in the standard market, typically due to high wildfire risk. It provides basic fire coverage but is more expensive than standard policies, with recent rate increase proposals averaging 35.8%. Many Oroville homeowners have been forced into the FAIR Plan after their traditional insurers non-renewed their policies.
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