The outline asks for the two different types of areas the FAIR Plan serves. Historically they were urban (inner city) areas and brush fire (brush hazard) areas.
Background: the FAIR Plan began in 1968 as an urban market of last resort after the riots of the 1960s, and it later expanded to designated brush fire regions. §10091(c) leaves the geographic or urban areas to the Commissioner's designation, and the regulation (10 CCR §2590) names Brush Hazard Areas and Inner City Areas. After the 1994 Northridge earthquake the entire state was designated, so today the Plan is available statewide.
Who may apply (§10093(a)): any person with an insurable interest in real or tangible personal property who, after diligent effort, could not get basic property insurance through normal channels. The test is having an insurable interest and being unable to find coverage:
Owning a building is not required, so a tenant can qualify for her belongings.
Wanting a lower price while coverage is available does not qualify.
A person with no insurable interest cannot apply.