Wildfire Risk Home Insurance Calculator
About Wildfire Insurance
Wildfires have become an increasingly significant threat to homeowners in the Western United States. Many major insurers have stopped writing new policies or have non-renewed existing policies in high fire-risk areas of California, Oregon, and Colorado. Homeowners in these areas may need to turn to the California FAIR Plan or other state-run insurers of last resort. Proactive measures like maintaining defensible space, using fire-resistant materials, and installing ember-resistant vents can help maintain insurability and may qualify for premium discounts.
Frequently Asked Questions
Does standard homeowners insurance cover wildfire?
Yes — standard homeowners policies cover wildfire damage as a covered peril. However, in high-risk areas, many insurers are declining to write or renew policies, leaving homeowners to seek specialty coverage.
What is the California FAIR Plan?
The California FAIR Plan is the state's insurer of last resort for homeowners who cannot obtain coverage in the private market. It provides basic fire coverage but requires a companion policy for full homeowners coverage.
What is defensible space and does it affect insurance?
Defensible space is the buffer zone of cleared vegetation around your home that prevents fire from reaching the structure and gives firefighters room to work. Maintaining it is required by law in many California zones and can affect insurability and premiums.
What building features reduce wildfire insurance premiums?
Class A fire-resistant roofing (tile, metal, composition), fiber cement or stucco siding, multi-pane windows, enclosed eaves, and ember-resistant vents are all features that can reduce wildfire risk and insurance costs.
How do I find out my fire hazard severity zone?
California's Office of the State Fire Marshal maintains Fire Hazard Severity Zone maps online. Your county fire department or city planning department can also provide this information for your specific parcel.
Results are estimates only. Wildfire insurance availability and premiums vary significantly by precise location, insurer, and current market conditions. In high-risk areas, coverage may be limited or unavailable from standard carriers. Consult a licensed insurance professional for accurate quotes and coverage options.