This address isn't within any of CAL FIRE's designated Fire Hazard Severity Zones, meaning CAL FIRE doesn't classify it as moderate, high, very high, or extreme risk.
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Centered on 0.00000°N, 0.00000°W. Top: ~500m neighborhood context. Bottom: ~50m close-up of the parcel. [3]
General wildfire mitigation categories carriers commonly ask about, based on CAL FIRE and IBHS guidance. Check off what's already done, note what isn't, and attach photos or receipts as documentation when you submit this packet. This is a general template, not a property inspection — it doesn't reflect what this specific home already has in place.
Zone 0 — 0 to 5 ft from the structure
No combustible mulch, plants, or debris within 5 ft of the structure
No flammable items stored under decks or porches
Gutters and roof clear of leaves and debris
Defensible space — 5 to 100 ft
Vegetation thinned and spaced per CAL FIRE defensible space guidelines
Dead vegetation and dry grass removed
Tree branches trimmed 6+ ft from the ground and clear of roof and chimney
Structure hardening
Class A fire-rated roof
Ember- and fire-resistant vents (1/8" mesh or baffled)
Enclosed eaves, no exposed rafter tails
Dual-pane or tempered windows
Non-combustible siding or a 6" non-combustible zone at the base of walls
Community and certification
Firewise USA recognized community
IBHS Wildfire Prepared Home designation
Notes / attached documentation
The dataset behind the zone classification at the top of this report. CAL FIRE maps the state into five severity tiers (Moderate through Extreme) based on fuel load, fire weather, terrain, and ember production. These zones are what insurers actually use when making non-renewal and underwriting decisions, and they drive California's building code requirements in high-risk areas.
Where the Burn Probability and Wildfire Hazard Potential scores come from. BP is the annual probability of wildfire at a specific 30m pixel, modeled using FSim large-fire simulation. WHP captures how hard a fire would be to control there; it layers fuel load, terrain, and fire weather into a single index (0–99,853). Both are built on LANDFIRE 2020 vegetation data.
Scott, Joe H.; Dillon, Gregory K.; Jaffe, Melissa R.; Vogler, Kevin C.; Olszewski, Julia H.; Callahan, Michael N.; Karau, Eva C.; Lazarz, Mitchell T.; Short, Karen C.; Riley, Karin L.; Finney, Mark A.; Grenfell, Isaac C. 2024. Wildfire Risk to Communities: Spatial datasets of landscape-wide wildfire risk components for the United States. 2nd Edition. Fort Collins, CO: Forest Service Research Data Archive. https://doi.org/10.2737/RDS-2020-0016-2
The satellite images in this report are served via Mapbox Satellite Streets v12, which composites imagery from commercial and government providers including Maxar. What you're seeing reflects the most recently available imagery for this location, typically within 1–3 years of report generation.
The ZIP code boundaries used for the neighborhood zone breakdown chart. We overlay CAL FIRE FHSZ data on these boundaries using a 2km point-sampling grid, then calculate what share of each ZIP's land area falls in each fire hazard tier. It's an approximation (not a parcel-level calculation) but it gives a useful read on neighborhood-level risk.
A statewide record of fire perimeters going back decades, compiled by CAL FIRE and partner agencies. This report looks at fires of 1,000 acres or more from 2000–2025. Perimeter boundaries come from aerial surveys, GPS, and satellite imagery collected during and after each fire. Published through the California Open Data Portal.
The FAIR Plan is California's insurer of last resort for homeowners who can't get coverage on the private market. This figure shows the number of active residential policies in this ZIP code as of September 30, 2025. Data is published annually by the California FAIR Plan Association.
Housing unit counts used to calculate FAIR Plan penetration rate come from the U.S. Census Bureau's American Community Survey 5-Year Estimates (2023), Table B25001. These are total housing units, including both occupied and vacant units. Source: census.gov/programs-surveys/acs
Disclaimer
This packet pulls together publicly available government data and presents it in one place. It is not insurance, legal, financial, or professional advice. Every data point is sourced directly from the agency listed and reproduced without modification. CAL FIRE zone classifications reflect state-level mapping and may not capture every local condition. Fortify is not an insurance agency and does not sell or advise on insurance. © 2026 Fortify, fortifywildfire.com