West Marin, CA -- The Gateway Villages to a 71,000-Acre National Seashore, Sitting Directly Astride the San Andreas Fault

Inverness / Point Reyes Station — Where Tomales Bay Oysters Meet the San Andreas Fault

Inverness and Point Reyes Station are two small, unincorporated Marin County villages that function as the real front door to Point Reyes National Seashore -- a 71,000-acre unit of the National Park System established in 1962 after more than three decades of advocacy. Inverness sits on the southwest shore of Tomales Bay itself; Point Reyes Station, about 3.5 miles southeast, is the area's commercial hub, born in 1875 as a North Pacific Coast Railroad depot literally laid out on a cow pasture. What makes this market genuinely distinctive, and genuinely worth understanding before buying, isn't just the National Seashore next door: the San Andreas Fault runs directly beneath Tomales Bay itself, this exact area was hit by two documented, named wildfires within 25 years (the 1995 Mount Vision Fire and the 2020 Woodward Fire), and Tomales Bay's oyster-farming economy -- anchored by Hog Island Oyster Co., founded here in 1983 -- is a real, working industry, not a marketing backdrop. This page and its two linked sub-pages state what sourced research could confirm about each of those facts, and are honest about the gaps.

Geography & Governance
Two unincorporated West Marin villages on/near Tomales Bay -- no city hall or mayor; governed directly by Marin County. Inverness sits on the bay's southwest shore; Point Reyes Station is ~3.5 miles southeast and is the area's commercial center
Population
Inverness: 1,379 residents (2020 Census). Point Reyes Station: 895 residents (2020 Census). Both are small, low-transaction-volume markets with a real seasonal/weekend-home component
Price Point
Point Reyes Station: Redfin's trailing-3-month median sale price was $1.8M as of mid-2026, up 51.4% year-over-year -- a swing this thin a market can produce from a handful of sales. Inverness: Zillow's average listing price runs around $1.48M, with a reported range from roughly $1.1M for modest cabins to $4M+ for view/acreage properties
Defining Hazards
The San Andreas Fault runs directly under Tomales Bay itself, and this exact area burned in two named, documented wildfires within 25 years -- the 1995 Mount Vision Fire (12,354 acres, 45 homes lost) and the 2020 Woodward Fire (4,929 acres)
At a glance — the numbers agents don't quote
Winter Storms and King Tides Flood the Bay-Front Roads
Sir Francis Drake Boulevard and Highway 1 both run directly along Tomales Bay through Inverness and Point Reyes Station, and both have flooded and been closed during past winter storm and high-tide events.
A 1997 New Year's storm produced a landslide that closed Sir Francis Drake Boulevard north of Inverness -- notable because it is the only major access road into that part of the Seashore and the villages along it. Confirm current FEMA flood-zone status for any specific bay-front parcel directly; this page states the general pattern, not a parcel-specific rating.
California's Homeowners-Insurance Crisis Hits West Marin Especially Hard
West Marin has "historically faced significant difficulty getting home insurance," per United Policyholders -- and the state's FAIR Plan of last resort caps coverage at $3 million while Bay Area rebuild costs commonly run $5-10 million.
Statewide, insurers non-renewed roughly 788,000 California homeowner policies in 2023 alone, and FAIR Plan enrollment surged past 600,000 policies by mid-2025; a Very High Fire Hazard Severity Zone designation -- which covers much of the wooded terrain around Inverness -- is one of the primary triggers for non-renewal. Get an actual quote from a California-licensed broker before budgeting a number; see the real-cost page for more detail.
A Real, Twice-Proven Wildfire History -- Not a Hypothetical Risk
The Mount Vision Fire (October 1995) burned 12,354 acres and destroyed 45 homes, mostly in Paradise Ranch Estates above Inverness Park; the Woodward Fire (August 2020) burned 4,929 acres inside the Seashore itself.
Mount Vision was accidentally started by illegal teenage campers and, driven by 45 mph winds, forced the evacuation of 422 residents across the hills above Inverness, Olema, and Point Reyes Station; it took 13 days to fully stop its spread. The Woodward Fire was lightning-caused and triggered evacuation orders for roads directly above Inverness Park 25 years later. See the investment-outlook page for how this shapes insurance and long-term risk.
The San Andreas Fault Runs Directly Under Tomales Bay
USGS and National Park Service geology confirm the San Andreas Fault Zone crosses the Point Reyes Peninsula between Bolinas Lagoon and Tomales Bay -- and that Tomales Bay itself occupies the fault trace.
The 1906 San Francisco earthquake produced up to 20 feet of lateral ground displacement near Point Reyes, among the largest documented anywhere along the fault -- a fenceline offset from that event is still visible today on the National Park Service's own Earthquake Trail near the Bear Valley Visitor Center. The Point Reyes Peninsula sits on the Pacific Plate, moving northwest relative to the North American Plate at an average of 3-4 inches per year. This is real, ongoing seismic geology, not a generic California disclaimer -- see the investment-outlook page for the fuller risk picture.
Thinking about buying in Inverness / Point Reyes Station? Talk to a local agent — free, no obligation.

What Actually Makes Inverness and Point Reyes Station Different

Start with what these two places are, structurally: neither Inverness nor Point Reyes Station is an incorporated city. Both are unincorporated Marin County communities with no mayor, no city council, and no separate municipal tax layer -- land use, permitting, and most local governance run through Marin County directly. Inverness (1,379 residents, 2020 Census) sits on the bay's southwest shore, close enough to the water that Tomales Bay itself functions as the town's front yard. Point Reyes Station (895 residents, 2020 Census) is the area's commercial and civic center -- its origin traces to January 7, 1875, when the North Pacific Coast Railroad's narrow-gauge line reached the eastern shore of Tomales Bay and the property owner where passengers disembarked, a cow pasture, laid out a town on a grid on the spot; the settlement was formally renamed Point Reyes Station when its post office opened in 1882.

The area's defining neighbor is Point Reyes National Seashore, a 71,000-acre unit of the National Park System established on September 13, 1962, after more than 30 years of advocacy to protect the peninsula from subdivision. The Seashore's own Point Reyes Lighthouse, first lit in December 1870 and in continuous service until 1975, sits on what the National Park Service describes as the windiest point on the Pacific Coast and the second-foggiest place in North America -- the tower was deliberately built partway down the cliff face, reachable by roughly 300 steps, so its beam would sit below the fog line rather than above it. The Seashore is also home to a real tule elk population, reintroduced in 1978 after being extirpated from the peninsula in the 19th century; as of early 2026, the park's elk and ranching management entered a genuinely new era. A December 2021 lawsuit by three environmental groups challenged a 2021 management plan that would have granted 20-year ranching leases and permitted elk culling; a January 2025 settlement had 12 of the park's 14 ranching operations agree to leave within 15 months in exchange for a collective roughly $40 million in private payments, removing the elk-exclusion fence and transitioning nearly 17,000 acres out of commercial dairy and beef ranching. That is a real, recent, and consequential change to the working-ranch character that has defined this peninsula for well over a century.

Tomales Bay's working waters are the other half of the area's identity, and oyster farming is the clearest example. Hog Island Oyster Co. planted its first oyster seed in the bay in July 1983, starting from a $500 loan and a five-acre intertidal lease at the bay's north end near Marshall; the operation has since grown to farm 160 acres in Tomales Bay (plus 90 acres in Humboldt Bay) and harvests more than five million oysters and Manila clams a year. Tomales Bay's cold, nutrient-rich, upwelling-fed waters -- bordered by the Seashore to the south and dairy ranchland to the north -- are genuinely well suited to bivalve farming, and Hog Island is a real, currently operating business, not an inflated marketing claim. The area's dairy and cheesemaking heritage runs alongside it: Cowgirl Creamery got its start in a renovated Point Reyes Station hay barn using milk from Straus Family Creamery, which operated in West Marin for 27 years as the first 100%-organic creamery in the United States before relocating its production plant to Sonoma County in 2021. Underneath all of it, the Marin Agricultural Land Trust (MALT), founded in 1980 as the first farmland-focused land trust in the U.S., has permanently protected 58,739 acres of Marin farmland through 98 conservation easements -- a real structural reason West Marin still looks like working ranchland rather than subdivisions.

The single most consequential geological fact about this exact market is that the San Andreas Fault runs directly beneath Tomales Bay. USGS and National Park Service mapping place the fault zone crossing the Point Reyes Peninsula between Bolinas Lagoon to the south and Tomales Bay to the north, with the bay itself occupying the fault trace -- the peninsula sits on the Pacific Plate, which is sliding northwest relative to the North American Plate at an average of 3 to 4 inches a year. That is not an abstract hazard: the 1906 San Francisco earthquake produced as much as 20 feet of lateral ground displacement near Point Reyes, among the most dramatic such offsets documented anywhere along the fault, and a preserved fenceline offset from that event is still visible today on the National Park Service's own Earthquake Trail boardwalk near the Bear Valley Visitor Center. Layered on top of that seismic exposure is a real, twice-proven wildfire history specific to this area: the October 1995 Mount Vision Fire and the August 2020 Woodward Fire both burned inside or immediately adjacent to the Seashore, and both are covered in detail below and on the investment-outlook page.

Dining & Things to Do

Point Reyes Station's Station House Cafe, serving brunch, lunch, and dinner from a full bar since 1964, is the area's longest-running sit-down restaurant and a genuine local institution, built around a farm-to-table menu with locally sourced fish and produce. In Inverness, Saltwater Oyster Depot sits across the street from Tomales Bay itself and focuses on oysters, seafood, and nearby-farm ingredients; as of mid-2026 reporting, the restaurant was in the process of changing hands to a new operating team, so confirm current hours and ownership before planning a visit. Osteria Stellina, Point Reyes Station's longtime modern-Italian spot, was listed as closed as of July 2026 per its own Yelp page -- a reminder that this is a genuinely small restaurant scene where individual closures and reopenings matter, not a large market that absorbs them unnoticed.

Beyond restaurants, the area's real attractions are almost entirely tied to the National Seashore and the bay. Point Reyes Lighthouse -- reachable by the roughly 300-step staircase down the cliff face -- remains the peninsula's signature landmark and a working illustration of just how foggy and windy this coastline actually is. The National Park Service's Earthquake Trail, a short boardwalk loop near the Bear Valley Visitor Center, walks visitors past a fenceline that was laterally displaced during the 1906 earthquake, making the San Andreas Fault's presence here tangible rather than abstract. Hog Island Oyster Co. runs its own farm tours and a picnic-table shucking operation on the bay in Marshall, a short drive north, and Tomales Bay's calm, protected waters are a genuinely popular kayaking and paddling destination. Cowgirl Creamery's original Point Reyes Station facility and the area's working dairy ranches (a shrinking but still-real presence following the 2025 ranching settlement described above) round out an identity built on agriculture and the water, not resort infrastructure.

Property Tax Basis
California's Prop 13 framework applies: a roughly 1% base rate plus voter-approved local bonds and assessments, landing at an effective total ad-valorem rate of roughly 1.065%-1.221% for FY2025-26 depending on the specific Marin County Tax Rate Area. Assessed value (not market value) is capped at a maximum 2% annual increase for existing owners under Prop 13. See the real-cost page for worked examples.
Home Prices
Point Reyes Station: Redfin's trailing-3-month median sale price was $1.8M as of mid-2026, up 51.4% year-over-year -- a swing this small a market can produce from a handful of unusual sales. Inverness: Zillow's average listing price runs around $1.48M, with a reported range from roughly $1.1M to $4M+. Treat any single figure cautiously; see the real-cost page.
Insurance Climate
West Marin has "historically faced significant difficulty getting home insurance" per United Policyholders; the CA FAIR Plan of last resort caps coverage at $3M against $5-10M Bay Area rebuild costs, and Very High Fire Hazard Severity Zone status -- which covers much of the wooded terrain here -- is a primary non-renewal trigger statewide.
Short-Term Rentals
Marin County has run a countywide STR license requirement since 2018, updated January 2024; unincorporated-county STRs are capped at 1,200 overall (with separate, higher-profile caps of 192 for Stinson Beach and 204 for Dillon Beach). West Marin specifically had an STR moratorium from 2022 to May 23, 2024. See the investment-outlook page for what this means for rental income.

Independent research. No ads. No sponsored listings. This is a pilot "thin market" build (hub + 2 topic pages), not the site's full 22-page research format. Facts drawn from: U.S. Census 2020 population figures for Inverness and Point Reyes Station CDPs (via Wikipedia); the National Park Service's own Point Reyes National Seashore establishment history, lighthouse history page, and Mount Vision Fire and Woodward Fire wildfire-management pages (nps.gov/pore); Point Reyes Light and Fire Safe Marin coverage of the 1995 Mount Vision Fire's acreage, home losses, and evacuation figures; NBC Bay Area, KTVU, and Patch reporting on the 2020 Woodward Fire's acreage and containment timeline; USGS publications and NPS geology pages on the San Andreas Fault's path through Tomales Bay and the Point Reyes Peninsula, and CBS San Francisco's reporting on the preserved 1906 earthquake displacement at the Earthquake Trail; Hog Island Oyster Co.'s own site and NOAA Fisheries' "Tide to Table" profile for the company's 1983 founding and current acreage/harvest figures; Cowgirl Creamery's own site and Businesswire's 2021 coverage of Straus Family Creamery's relocation for the area's dairy and cheesemaking history; the Marin Agricultural Land Trust's own site for its 1980 founding and conserved-acreage figures; Marin Magazine and Grokipedia's history summaries for Point Reyes Station's 1875 railroad origin; Pressdemocrat.com, Local News Matters, and the Center for Biological Diversity for the January 2025 Point Reyes ranching settlement; Redfin's and Zillow's own Point Reyes Station and Inverness market pages for home-price figures; United Policyholders, FireRoofs, and Insurify for California FAIR Plan and wildfire-insurance context; and Avalara/MyLodgeTax and Marin County's own news releases for the countywide short-term-rental ordinance, caps, and 2022-2024 West Marin moratorium. Genuine, disclosed gaps: this research could not confirm a specific, current STR license cap unique to Inverness or Point Reyes Station themselves (only the countywide figure and the separately-published Stinson Beach and Dillon Beach caps were found); Redfin's and Zillow's Point Reyes Station and Inverness figures diverge meaningfully from each other, which this page states honestly rather than resolving to one number, and both markets see few enough closed sales in a given period that a single transaction can swing a reported median significantly; and the current operating status and ownership of two specific named restaurants (Saltwater Oyster Depot and Osteria Stellina) were each in flux as of this research and should be confirmed directly before visiting. Confirm all current facts directly with Marin County, the National Park Service, and a licensed California real estate, insurance, and tax professional before making a purchase or relocation decision. Nothing on this page is legal, tax, financial, or insurance advice.

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