Wildfire risk, and what hardening earns you
Wildfire risk is scored address by address, not town by town. That is why two homes on the same street can get different answers. The state's hazard maps are one input, and each insurer runs its own model on top of them.
These guides cover how the scoring works and how to look up your own home. They also cover which hardening work counts with an insurer.
- Your home is in a high fire-risk zone. That is a map, not a verdict.Your home is in a high fire hazard zone. How CAL FIRE's maps differ from a carrier's score, what mitigation moves, and where coverage exists.
- Look up your fire hazard zone, then learn what it does not decide.Look up your California fire hazard severity zone free by address on the CAL FIRE map. What the zone decides for insurance, and what it does not.
- Every company scores your address. You cannot look up the number.Every home's wildfire score is private, and you cannot look up the number. What insurers weigh, why two companies disagree, and what you can change.
- What home hardening actually earns you, and what it does not.California requires standard carriers to credit home hardening work in their wildfire rating. Which upgrades matter most, and how to document them.
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