Is your home insurable — and if not, how do you fix it?
“High risk” doesn’t tell you what to do. This does. Get your insurability score, see exactly which carriers will write you, and a quantified action plan — the premium savings and eligibility each mitigation step unlocks, in the order that matters most.
Score
We rate how readily your home can get coverage today — not just its fire risk, but its insurability.
Quantify
Each mitigation action shows the estimated premium it saves and the insurability points it adds.
Act
Follow the shortest path to the insurable range, document it, and take an insurer-ready report to carriers.
Start with your home
Enter your address to auto-set your wildfire risk, or just pick a level below.
Wildfire risk level ↑ higher = more hazard, harder to insure
Insurability score ↑ higher = easier & cheaper to insure
Est. premium
$4,950/yr
save up to $1,970/yr
Likely surplus-lines (E&S) or a FAIR Plan + DIC package today — but mitigation moves you up fast.
Out of reach
Admitted / standard carriers
Best rates and coverage
Out of reach
Specialist & surplus-lines (E&S)
Writes higher-risk homes for more
Likely available
FAIR Plan + DIC (last resort)
Always available as a backstop
Your shortest path to insurable
Do these 3 things to cross into the insurable range (70+):
Class-A fire-rated roof
+7 insurability · saves ~$390/yr
→ 63
score
Noncombustible 5 ft Zone 0
+6 insurability · saves ~$340/yr
→ 69
score
100 ft defensible space (Zones 1 & 2)
+5 insurability · saves ~$430/yr
→ 74
score
Mitigation actions — tap to mark done
Want a full personalized plan — with costs, grants, and tax credits for each step?Build my plan →Turn your plan into a policy
Once you know your path, we’ll match you with carriers and brokers who write higher-risk homes — and reward the mitigation you’ve done. Free, no obligation.
Before the next Red Flag day
Know exactly how to protect your home near you — free
Build a personalized, prioritized mitigation plan in 2 minutes — every step tied to the insurance discount, tax credit, and grant it unlocks. Then get a hand-checked shortlist of vetted local contractors to do the work.
Keep going
Wildfire insurability FAQ
What does “insurability” mean for a home?
Insurability is how readily a home can actually get coverage — distinct from its wildfire risk. Two High-risk homes can be worlds apart: a hardened home with defensible space may be writable by standard carriers, while an un-mitigated one next door may only qualify for the FAIR Plan. Our insurability score (0–100) estimates which part of the market will write you, and the action plan shows how to move up.
How can I make my home insurable again after a non-renewal?
Harden the home in the order that matters most to underwriters: a Class-A roof, a noncombustible 5 ft Zone 0, and 100 ft of defensible space carry the most weight, followed by ember-resistant vents, tempered windows, enclosed eaves, deck clearance, and gutter guards. Document each with photos and an inspection, then take that record to specialist carriers and a broker. The tool on this page shows your shortest path and the estimated savings each step unlocks.
How much can mitigation lower my premium?
Stacked wildfire-mitigation discounts commonly reach 10–40% depending on the carrier and state (California’s “Safer from Wildfires” framework requires carriers to offer them). On a high-risk home that can be thousands of dollars a year — and, just as important, it can move you from uninsurable to insurable. The estimates here are directional; your carrier sets the actual numbers.
Which carriers will insure a high fire-risk home?
It depends on your insurability score. Higher scores reach admitted/standard carriers; mid scores reach specialist and surplus-lines (E&S) carriers; and the FAIR Plan plus a DIC policy is always available as a backstop. See our reviews of the carriers still writing high-risk homes for specifics.
Are the scores and savings guarantees?
No. They’re directional, industry-informed estimates to help you prioritize — not quotes, offers, or guarantees of coverage. Actual eligibility and pricing depend on the carrier, the specific property, and current market conditions. Always verify with a licensed agent.
Insurability scores, premium estimates, and savings are directional, industry-informed estimates — not quotes, offers, or guarantees of coverage. Actual eligibility and pricing depend on the carrier, the specific property, and current market conditions. Always verify with a licensed agent.