The two Fillmores, insurance-wise
- Valley floor: standard admitted-market coverage in most cases — still verify, but this is routine underwriting.
- Foothill and canyon edges: severity-zone scoring applies — quote early, expect surcharges, and treat FAIR+DIC as the financeable fallback (the FAIR Plan by-ZIP guide covers mechanics and the $3M dwelling-limit reality).
- The flood overlay: river- and creek-adjacent parcels carry FEMA mapping — flood insurance is a separate product and a separate check.
Market context
| Market | Median price | Days on market | County | School district(s) |
|---|---|---|---|---|
| Fillmore | $705,000 | 94 | Ventura | Fillmore Unified School District |
| Piru | $650,000 (approx.) | — | Ventura | Fillmore Unified School District (Piru Elementary) |
| Santa Paula | $735,000 | 118 | Ventura | Santa Paula Unified School District (Briggs and Mupu elementary districts serve some outlying areas) |
| Moorpark | $1,020,000 | 51 | Ventura | Moorpark Unified School District |
Figures from /data.json, the site’s canonical data file (June 2026). Always verify current numbers.
Frequently asked questions
Is Fillmore in a fire zone?
The valley floor largely isn't; the foothill and canyon edges carry very-high severity mapping. It's a parcel-level question — pull the zone status for any specific address before pricing.
Can I get insurance on a Fillmore foothill home?
Yes — through admitted carriers with hardening documentation, surplus lines, or FAIR Plan + DIC as the fallback. Get binding quotes during your contingency; insurability is a price term.
What about flood insurance?
Separate map, separate product: parcels near the Santa Clara River and Sespe Creek carry FEMA zones that affect lending and insurance — check the FEMA map per address.
Work with Brian Cooper
20+ years and $100M+ closed across Ventura County, the San Fernando Valley, and the Conejo Valley. Direct, data-first representation — you work with Brian, not a hand-off.
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