How do I know if my home is in a California Fire Hazard Severity Zone?

Enter your address in the checker for an instant, parcel-level lookup against the official CAL FIRE Fire Hazard Severity Zone (FHSZ) maps. It returns whether your property is in a Moderate, High or Very High zone.

Does my fire zone affect my home insurance in California?

Yes. Insurers are non-renewing and surcharging homes in High and Very High Fire Hazard Severity Zones, and many owners are pushed onto the California FAIR Plan. Home-hardening and defensible space make a property more fire-resilient and easier to keep insured.

Are there new California home-hardening rules (AB 3074 / Zone 0)?

California is phasing in an ember-resistant "Zone 0" standard for the first 5 feet around homes in fire hazard zones (AB 3074 / SB 504, Public Resources Code 4291). The Board of Forestry is finalizing the timeline, with existing homes phased in over several years. Hardening now gets you ahead of the rules.

How much wildfire mitigation grant money can I get?

Eligible homeowners in High and Very High zones may qualify for up to $40,000 through California's Safe Homes and Wildfire Mitigation programs toward ember-resistant vents, Class A roofs, defensible space and more. Eligibility is income-qualified and funding is limited.

CAL FIRE FHSZ · INSURANCE RISK · WILDFIRE GRANTS

Is your home in a California fire hazard zone?

Enter your address. We scan official CAL FIRE hazard-zone data and show your exact fire zone, what it means for your home insurance, and the grants you may qualify for — in seconds.

Source: CAL FIRE Fire Hazard Severity Zones (SRA current; LRA shown as last recommended). Informational — confirm with your local authority.

Free
Instant
Official CAL FIRE data
No obligation

— until peak fire season & insurance reviews

9,600+Very High zones mapped

$40,000in grants you may qualify for

2.8M+policies non-renewed in fire ZIPs

How it works

Your fire-risk report in three steps

Enter your address

Type it once — Google autocompletes the exact property.

We scan the data

Satellite imagery, your roof, and the official CAL FIRE hazard layer — live.

Get your plan

Your zone, what it means for your insurance, grant eligibility, and a free hardening assessment.

CAL FIRE FHSZ zone + ember exposure (roof) = Wildfire Risk Score 0–100

0255075100

Low Moderate Elevated Severe

Lower is better. The CAL FIRE fire-hazard zone is the biggest factor; a larger roof adds ember exposure. Informational — confirm with your local authority.

Check your home's score → Free & instant · official CAL FIRE data

Why it matters

Why your fire zone matters right now

Insurance is on the line

Carriers are non-renewing and surcharging homes in fire areas, pushing owners onto the costly FAIR Plan. A hardened, more fire-resilient home is far easier — and cheaper — to keep insured.

New “Zone 0” rules are coming

California is phasing in ember-resistant “Zone 0” standards (the first 5 feet around your home) statewide. Acting before the rules tighten is the cheapest time to harden.

There's money to help

State programs offer up to $40,000 toward ember-resistant vents, Class A roofs, defensible space and more for qualifying households.

It protects your value

Buyers and lenders increasingly check fire-zone status. Hardening now protects both your family and your home's resale value.

Live · CAL FIRE incidents

See where California is burning right now

A live, statewide map of every active wildfire CAL FIRE is tracking — acreage, containment and location, updated continuously.

Open the live fire map →

Wildfire mitigation grants · limited funding

You may qualify for up to $40,000 to harden your home

California's Safe Homes and Wildfire Mitigation programs help homeowners in High and Very High zones pay for the upgrades the law now requires. Eligibility is income-qualified and funding is limited — we'll check whether you qualify when you run your free assessment.

Check my address & grant eligibility →

A fire-hardened California home with a Class A roof and well-maintained defensible space

$40K in grants

Know your zone in seconds

Free, instant, and based on the official CAL FIRE Fire Hazard Severity Zone maps.

Scan my home now →

FreeInstantOfficial CAL FIRE dataNo obligation

Data: California Department of Forestry and Fire Protection (CAL FIRE). SRA effective 2024; LRA shown as last recommended. Informational only — confirm compliance with your local authority.