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The Local Toolkit · Fire Risk Lookup
CAL FIRE 2025
FOR ANY ADDRESS IN LAKE · NAPA · SONOMA · MARIN · MENDOCINO · SACRAMENTO

Real fire risk. Real numbers.

Pulled live from CAL FIRE, the Fire and Resource Assessment Program, NWS, and the California FAIR Plan. Facts only, never alarmist.

Or click an example: Mill Valley · Kelseyville · Atlas Peak · Occidental · Healdsburg
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Fire Hazard Severity Zone · CAL FIRE 2025
🔥Fires within 5 miles
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since 1950
CAL FIRE FRAP Fire Perimeters
🛡️Active fire weather
No active alerts
Live from National Weather Service
api.weather.gov · pulled just now
📊Insurer market status
Tight
2026 California insurance market is recovering but selective. New policies vary by carrier and zone.
State FarmNo new HO policies since 2023
AllstateNo new HO since Nov 2022; +34.1% rate hike approved 2024
MercuryGrowing per 2024 Lara deal
FAIR PlanInsurer of last resort, 2–5x standard premium
CA Dept of Insurance · CFP key statistics
⚡PSPS history
See below
Number of Public Safety Power Shutoff events 2018-present varies by county. PG&E typically de-energizes higher elevation areas in Lake, Napa highlands, parts of Sonoma and Mendocino during Diablo wind events.
PG&E PSPS portal · CPUC
📏 California defensible space rules (PRC §4291)
Zone 0
0–5 ft
Ember-resistant zone. No combustible mulch, plants under windows, debris, or wood structures touching the home. New rules in effect.
Zone 1
5–30 ft
Lean, clean, and green. Trimmed trees, spaced plants, no dead vegetation, 10 ft between tree canopies and structures.
Zone 2
30–100 ft
Reduce fuel. Grass to 4", 10 ft between trees, prune branches 6 ft up. Required at point of sale in High and Very High zones (AB 38).
Data sources: CAL FIRE Fire Hazard Severity Zones (effective 2024/2025) · CAL FIRE FRAP Fire Perimeters (1878–present) · National Weather Service alerts (api.weather.gov) · CA Department of Insurance · California FAIR Plan key statistics · PG&E PSPS portal · CalFire defensible space rules (PRC §4291)

Estimates are derived from public data. Final insurance availability and pricing depend on your home's hardening, defensible space, roof age, and inspection. Always verify before making an offer.

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Local fire-zone questions welcome