Oakview Insurance Services is an independent insurance agency serving Oroville, CA (zip codes 95965 and 95966) and the surrounding Butte County communities. Mariah Davis founded Oakview in her hometown of Yuba City in 2010, and today our team of 20 dedicated insurance professionals helps Oroville homeowners, drivers, farm operators, and business owners find coverage in a market that keeps getting tighter. We have access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets, and we have earned 850+ five-star Google reviews. Oroville carries two serious risks at once: flood exposure below Lake Oroville and along the Feather River, and wildfire exposure in the foothills that has pushed several major carriers back from Butte County. We place coverage for both every day, along with the California FAIR Plan, companion DIC policies, and farm coverage for the valley. Request a quote to get started, or call us at (530) 674-5054. Hablamos español.
Why Oroville Clients Choose Oakview
Here is what sets our Oroville work apart:
- Flood coverage that accounts for the Oroville Dam and the Feather River corridor, including what a flood policy does and does not pay for
- Current knowledge of which carriers are still writing homeowners coverage by Oroville zip code, plus the California FAIR Plan and companion DIC policies when they are not
- Access to 100+ A-rated carriers, so one company pulling back in Butte County does not leave you without options
- Butte County Farm Bureau member, with farm and ag coverage built for the valley around Oroville
- 850+ five-star Google reviews, voted Best Agent, Best Agency, and Best Customer Service multiple times
- A real, dedicated advisor, not a call center, with bilingual service available. Meet our team.
The Oroville Dam, the Feather River, and Your Flood Coverage
The Oroville Dam is the tallest dam in the United States, and in February 2017 it came close to disaster. During a run of atmospheric river storms the main spillway failed, and water went over an emergency spillway that had never been used. When that hillside began eroding faster than engineers expected, the Butte County Sheriff ordered Oroville and downstream communities along the Feather River to evacuate on February 12. More than 188,000 people left their homes. The dam held, but spillway repairs took nearly two years and cost about $1.1 billion.
Climate researchers expect the conditions behind 2017, a deep snowpack followed by warm, heavy storms, to become more common in the Sierra Nevada over the coming decades. That makes now a better time to look at flood coverage than the week of the next evacuation warning.
Standard homeowners insurance does not cover flood, whether you live next to the river or miles from it. Rising water, dam releases, and overland flooding all require a separate flood policy. Had the spillway failed outright in 2017, homeowners downstream without flood coverage would have received nothing from their homeowners policy toward rebuilding.
When we review flood coverage with Oroville homeowners, we look at:
- Whether the property sits in a FEMA Special Flood Hazard Area, and what your lender requires
- NFIP policies compared with private flood options
- Building and contents limits, plus waiting periods
- How a flood policy works alongside your homeowners policy after a loss
- Whether coverage makes sense outside mapped high-risk zones, given the dam and river exposure
Most NFIP policies carry a 30-day waiting period, and private flood carriers can sometimes bind sooner. If you live in Thermalito, Palermo, the Feather River corridor, or anywhere else below Lake Oroville and have no flood policy, call us at (530) 674-5054 before the next storm season. See our flood insurance page for more.
Wildfire, FAIR Plan, and Non-Renewal Insurance in Oroville
Oroville has watched wildfire come close more than once. The 2018 Camp Fire destroyed much of Paradise, about 20 miles away, and became the deadliest wildfire in California history. In July 2024 the Thompson Fire started near Cherokee Road and Thompson Flat Road just outside Oroville, burned 3,789 acres, forced about 29,000 people to evacuate, and destroyed 26 structures.
The insurance market has reacted. The California Department of Insurance lists Butte County among its wildfire distressed counties. State Farm stopped writing new homeowners policies in California in May 2023, Allstate paused new home and condo applications in late 2022, and Farmers capped new policies in 2023. Seven of California’s twelve largest insurers have paused or restricted homeowners business. If you are holding a non-renewal notice, or your carrier no longer quotes your zip code, you need a broker with access to the carriers still writing in Butte County.
That is the work we do. As an independent agency, we identify which carriers are still writing in your Oroville zip code. When standard options run out, we help you place a California FAIR Plan policy and pair it with a companion Difference in Conditions (DIC) policy to cover the gaps. Oakview is an independent broker and is not an agent of, and does not represent, the California FAIR Plan.
The FAIR Plan is the last-resort program for more than 668,000 California homeowners. It provides basic fire coverage only, with no liability, theft, or water damage, which is exactly the gap a DIC policy fills. The state approved a 29.1% average FAIR Plan rate increase effective October 15, 2026, and many Oroville policyholders will land at or above that average. Our full breakdown of the 2026 FAIR Plan rate increase covers the wildfire hardening discounts that can help offset it.
Availability depends on more than the house itself. Many carriers write to zip-code quotas and stop once they hit capacity in an area, however well a home is maintained. Where a carrier is still writing, your fire protection class and defensible space affect whether you qualify and what you pay. Limits need attention too. Construction costs have climbed more than 33 percent over the past five years, so a dwelling limit set a few years ago may not cover a full rebuild today.
Holding a non-renewal notice? Call us at (530) 674-5054. For full details, visit our Butte County High Fire Insurance page.
Home Insurance in Oroville, CA
Beyond flood and wildfire, Oroville homeowners deal with older housing stock, homes near agricultural operations in the surrounding valley, and replacement costs that have outrun many older policy limits. Downtown Oroville, the hillside homes of Kelly Ridge and the Table Mountain area, and the lower-lying neighborhoods of Thermalito and Palermo each carry a different risk profile, and carriers select and price them differently.
We help Oroville homeowners set limits that match current rebuild costs, carry enough liability, and fit together with flood and wildfire coverage so nothing falls between the policies. If your last review was more than two or three years ago, the market has moved enough to justify another look.
Earthquake Coverage in Oroville
Standard California homeowners policies exclude earthquake damage. Oroville has its own history here: the 1975 Oroville earthquake, a magnitude 5.7 on the Cleveland Hill fault, damaged homes and buildings across the area. The California Earthquake Authority offers coverage that can be added through an independent agent. For more, see our homeowners insurance page and earthquake insurance page.
Auto Insurance in Oroville, CA
From the Highway 70 corridor toward Marysville and Sacramento to Highway 162 and the roads through Thermalito and Palermo, Oroville drivers cover a wide range of conditions and commutes. We compare rates across dozens of carriers and make uninsured motorist coverage part of every conversation, because if an uninsured driver hits you, your own policy is what pays for your losses.
We also shop home and auto bundles across the full market. A captive agent can only bundle inside one company’s lineup, while we compare the combination across many carriers to find where it costs the least for your address, vehicles, and coverage needs. See our auto insurance page for more.
Business Insurance in Oroville, CA
Oroville’s business community runs from downtown restaurants and shops to the auto repair shops, gas stations, and convenience stores along Oro Dam Boulevard and the Highway 70 corridor, plus the electricians, plumbers, and HVAC contractors who work across Butte County. We build commercial programs around how each business actually runs, including general liability, commercial property, business auto, workers compensation, garage keepers coverage for customer vehicles in your care, and coverage for fuel and convenience store operations. If you own a business in Oroville, we are glad to review your current program and flag any gaps. Start with our small business insurance and commercial insurance pages.
Farm and Agriculture Insurance Near Oroville
Oroville sits in the middle of Butte County farm country, with rice, almonds, walnuts, and olives across the valley and foothills. Farm and agribusiness coverage has its own dedicated page. If you farm, ranch, or run an ag business near Oroville, start on our Oroville farm and agriculture insurance page for farm property, equipment, liability, and workers compensation. Oakview is a member of the Butte County Farm Bureau.
Why an Independent Agent Makes a Difference in Oroville
State Farm, Farmers, Allstate, and AAA all have agents serving Oroville, and each of those agents represents one company. When that company tightens underwriting in Butte County or stops quoting your zip code, the agent has nowhere else to send you. We work with more than 100 A-rated carriers plus the FAIR Plan, so when one company says no, we keep shopping. In a county where several major carriers have cut back, that is often the difference between a placed policy and a coverage gap.
Insurance Options for Oroville and Butte County, CA
We help Oroville residents, landlords, farm operators, and business owners with a full range of personal and commercial insurance:
Personal Insurance
See our full range of personal insurance options, including:
- Homeowners insurance
- Auto insurance
- Renters insurance
- Mobile and manufactured home insurance
- Flood insurance
- Earthquake insurance
- Umbrella and excess liability
- Life insurance
- ATV, SxS, and toy hauler insurance
- Boat and watercraft insurance
- Motorcycle insurance
- Classic car insurance
Business Insurance
See our full range of business insurance options, including:
- Landlord and rental property insurance
- Small business insurance
- General liability insurance
- Commercial auto insurance
- Workers compensation
- Contractor insurance
- Restaurant insurance
- Garage keepers insurance
- Gas station and convenience store insurance
- Electrician insurance
- Plumber insurance
- HVAC contractor insurance
Farm and Agriculture Insurance
High Fire Insurance
Group Health and Employee Benefits
What Our Clients Are Saying
Oakview Insurance Services has earned 850+ five-star Google reviews from clients across Butte County and the Sacramento Valley, including homeowners working through non-renewals, farm operators, and business owners. Clients tell us they value advisors who understand local risks like flood and wildfire, shop the market honestly, and pick up the phone when something goes wrong.
Read what our clients say on Google and see why Oroville-area families, farm operators, and business owners trust Oakview with their coverage.
Servicio en Español: Seguros en Oroville, CA
En Oakview Insurance Services, ofrecemos servicio completo en español para las familias, los agricultores y los negocios de Oroville y el condado de Butte. Cuando nos llama, habla con una persona de nuestro equipo, no con una línea automatizada. Le ayudamos con seguro de auto, seguro de hogar, seguro contra inundaciones, seguro contra incendios y el FAIR Plan de California, seguro de negocio y seguro agrícola, con acceso a más de 100 compañías aseguradoras.
Llámenos al (530) 674-5054 o solicite una cotización en línea. Hablamos español y estamos listos para servirle.
Frequently Asked Questions: Oroville Insurance
Do I need flood insurance if I live near the Oroville Dam or the Feather River?
Standard homeowners insurance does not cover flood, no matter how close you live to a dam or river. The 2017 Oroville Dam spillway crisis led to the evacuation of more than 188,000 people downstream. Had the dam failed outright, homeowners without flood insurance would have had no coverage for flood damage to their homes. Whether or not your property is in a mapped flood zone, living below Lake Oroville and along the Feather River makes this worth a conversation. Call us and we will look up your address and flood zone status.
My homeowners insurance was non-renewed in Oroville. What are my options?
You have options, depending on the property. Surplus lines carriers write policies that standard admitted carriers will not, and specialty programs exist for higher-risk Butte County properties. When those run out, the California FAIR Plan is available as a last-resort program, and most clients pair it with a companion DIC policy so liability, water damage, and theft are still covered. See our Butte County High Fire Insurance page for full details. You can also call us at (530) 674-5054.
What is the California FAIR Plan and do I need it in Oroville?
The California FAIR Plan is the state’s insurer of last resort for properties that cannot get coverage in the standard or surplus lines markets, usually because of wildfire exposure. It provides basic fire coverage only, with no liability, water damage, or theft, which is why a companion DIC policy matters. In parts of Butte County it has become a realistic path after a non-renewal. Oakview is an independent broker and is not an agent of, and does not represent, the California FAIR Plan.
Can a State Farm, Allstate, or Farmers agent in Oroville help me after a non-renewal?
Generally, no. Captive agents represent one company. State Farm stopped writing new homeowners policies in California in 2023, and Allstate has not written new home policies in the state since late 2022. If that company will not write your Oroville address, the captive agent has nothing else to offer. As an independent agency, we have access to 100+ A-rated carriers, including the ones still writing in Butte County, plus the FAIR Plan.
Is Butte County on California’s distressed county list for homeowners insurance?
Yes. The California Department of Insurance lists Butte County among its wildfire distressed counties. Standard carriers have reduced or stopped writing new homeowners policies in parts of the county. As an independent agency, we have access to specialty and non-standard markets that can fill the gap when standard carriers decline.
Do I need earthquake insurance in Oroville?
Standard California homeowners policies exclude earthquake damage. Oroville felt a magnitude 5.7 earthquake on the Cleveland Hill fault in 1975, so the risk here has a local track record. The California Earthquake Authority offers coverage that can be added through an independent agent, and whether it makes sense depends on your home’s age, construction, and situation.
Do you insure Oroville businesses like restaurants, gas stations, and contractors?
Yes. We write coverage for Oroville restaurants, auto repair shops, gas stations and convenience stores, and trade contractors including electricians, plumbers, and HVAC companies. Programs typically include general liability, commercial property, business auto, workers compensation, and garage keepers coverage where customer vehicles are in your care.
Do you handle farm insurance for Oroville-area operations?
Yes. Farm and agribusiness coverage is handled on our dedicated Oroville farm insurance page, built around Butte County operations including rice, almonds, walnuts, olives, cattle, and more. Oakview is a member of the Butte County Farm Bureau.
Do you offer Spanish-language service in Oroville?
Yes. We offer full service in English and Spanish for Oroville-area families, farm operators, and business owners. Llámenos al (530) 674-5054.
How do I get an insurance quote in Oroville, CA?
Call our office at (530) 674-5054 or request a quote online. We respond promptly, take time to understand your situation, and give you honest coverage recommendations with no pressure.
Serving Oroville and Surrounding Butte County Communities
In addition to Oroville, Oakview Insurance Services serves families, farm operators, and businesses throughout the surrounding Butte County communities, including Kelly Ridge, Thermalito, Palermo, Bangor, Berry Creek, Paradise, Magalia, Gridley, Biggs, and Chico. We serve Oroville zip codes 95965 and 95966.
Nearby Oakview pages: Chico, Gridley
For local business resources and community connections, the Oroville Chamber of Commerce is a great starting point.
Holding a non-renewal notice with a deadline coming up? Living below Lake Oroville or along the Feather River without a flood policy? Running a farm or a business in Butte County that needs coverage coordinated with your home and auto? These are the situations we work on every day in Oroville. Call us at (530) 674-5054 or use the button below to start your quote.