Free · government data · Report live in 30 seconds

Know Your Home's Wildfire Risk in Seconds — And What to Do About It.

Enter any U.S. address for a free FireRisk report — your property's risk score, insurance exposure, nearby fire history, and the mitigation steps that lower it. All built on official U.S. government data.

100% freeNo account neededYour address stays private, used only to run your report

See a sample report→Real CO home · no address needed

4

federal datasets per score

0–100

wildfire risk score

All 50

states covered

25-mi

live fire-detection radius

Built on official U.S. government data

  • USDA Forest Service
  • FEMA — Federal Emergency Management Agency
  • U.S. Geological Survey
  • National Interagency Fire Center
  • CAL FIRE
USFS Risk to CommunitiesFEMA National Risk IndexUSGS terrainNIFC fire historyCAL FIRE (California)

Built on official U.S. government hazard data, plus our transparent risk model. See the methodology →Reviewed by Tom Hunt, Wildfire Risk Expert

Where to start

Whatever brought you here

Worried about the danger, your insurance, or how to protect your home? Pick where to start.

Is my home at risk?

Your exact 0–100 risk score, a 3D satellite map of your defensible-space zones, and every fire within 25 miles.

Check your address →

Will I lose my insurance?

How wildfire risk drives your premium, what to do if you’re non-renewed, and matching with carriers that cover high-risk homes.

Fire insurance help →

How do I lower my risk?

The defensible-space zones and home-hardening upgrades that cut your score — plus grants and certified local contractors.

Defensible space guide →
Read your score

What your 0–100 wildfire risk score means

Lower is safer. The score is a relative measure of how your location compares — not a prediction that a fire will happen. Here is what each band means for hazard and insurance.

0–1920–3940–5960–7980–100
Low

0–19

Minimal wildfire hazard. Standard, admitted carriers should compete for you at the best rates.

Moderate

20–39

Some exposure, but usually still firmly in the standard market. Basic mitigation keeps it there.

High

40–59

Elevated risk. Expect surcharges, stricter eligibility, and inspections — and real savings from documented mitigation.

Very High

60–79

Many admitted carriers decline. Often specialist or surplus-lines (E&S) territory, with a FAIR Plan as a backstop.

Extreme

80–100

Among the most hazardous parcels. Coverage is frequently a FAIR Plan plus a difference-in-conditions wrap. Mitigation is essential to re-enter the market.

Bands follow the FireRisk model exactly. The score blends the USFS Wildfire Risk to Communities layer, FEMA, NIFC fire history, and USGS terrain into one number. See exactly how it's weighted →

How it works

From address to action in 30 seconds

No account. No sales call. Just your home's real wildfire picture.

1

Enter any US address

No account, no signup. Just type your address.

2

We query 4 federal datasets

USFS, FEMA, USGS and NIFC — live, in seconds.

3

Get your report + next steps

Score, map, insurance options, and a mitigation plan.

Check my home's wildfire risk score →

Free · No signup · Official U.S. government data

One report, everything

Everything in one report

Built entirely on free, authoritative government data. No API key, no account.

3D Satellite Hazard Map

Interactive satellite view with the federal wildfire-hazard overlay and your three defensible-space zones drawn on your home.

4-Source Federal Risk Score

USFS Wildfire Risk to Communities, FEMA National Risk Index, recorded fire history, and USGS terrain — weighted into one 0–100 score.

Insurance Savings Finder

State grants, tax credits, and carrier discounts — plus matching with insurers that still write high-risk homes.

Wildfire Spread Simulator

Watch how a fire could reach your home — modeled rate of spread, flame length, and ember reach from your exact location.

Fire History (25-mile)

Federal fire perimeters 2000–2024 within 25 miles, banded by distance — tap any fire for quick facts.

Official Designations

CAL FIRE Fire Hazard Severity Zone and USFS Risk to Communities — the authoritative classifications, cited and dated.

Wildfire risk by location

Explore fire hazard, history, and insurance impact by state, county, city, and ZIP.

CaliforniaOregonColoradoWashingtonArizonaTexasNew MexicoNevadaIdahoMontanaUtahWyomingFlorida

Popular searches

Los Angeles fire riskSan Diego fire riskLong Beach fire riskAnaheim fire riskRiverside fire riskSan Bernardino fire riskSacramento fire riskOakland fire risk90265 fire risk90272 fire risk90290 fire risk91001 fire risk
Browse all wildfire risk maps →
Questions

Wildfire risk score FAQ

What the number means, how it's built, and what you can do about it.

What does a 0–100 wildfire risk score mean?
FireRisk maps your home onto a single 0–100 scale where lower is safer. The bands are: 0–19 Low, 20–39 Moderate, 40–59 High, 60–79 Very High, and 80–100 Extreme. The number is a relative measure — it tells you how your location compares to others, not a prediction that a fire will or won’t happen.
How is the FireRisk score calculated?
It’s a transparent weighted blend of independent federal datasets for your exact point: the USFS Wildfire Risk to Communities layer (Risk to Potential Structures), recorded fire-perimeter history from NIFC, USGS terrain and slope, and FEMA’s National Risk Index. Any dataset with no data for your point is dropped and the remaining weights are renormalized — nothing is silently assumed. The full weighting is published on our methodology page.
Is the wildfire risk score really free?
Yes. Checking your home’s 0–100 wildfire risk score is free, with no account, payment, or signup required. Enter an address, ZIP, city, or county and you get a score in seconds. FireRisk is an independent risk-information service and is not an insurer, agent, or government agency.
Why do two homes on the same street get different scores?
Wildfire risk is intensely local. Slope, surrounding fuels, and proximity to recorded fires can differ sharply over a short distance, so neighboring parcels can land in different bands. That’s why your specific address matters more than a city or ZIP average — and why an approximate (city/ZIP) lookup is shown at lower confidence than a rooftop address.
How does my wildfire risk score affect my home insurance?
Insurers and their catastrophe modelers use wildfire hazard data — including the federal layers behind your FireRisk score — to set premiums, decide eligibility, and decide whether to renew. A higher band can mean a surcharge, stricter inspections, or a non-renewal, while a lower band keeps you in the standard market. Knowing your score and documenting your mitigation is how you argue for a better rate.
Is the FireRisk score the same one my insurer uses?
No. Insurers typically license a proprietary wildfire model (for example Verisk’s FireLine®, ZestyAI’s Z-FIRE™, CoreLogic, or First Street), and you usually can’t see how it’s calculated. FireRisk is independent and built only from open federal data, so it’s a transparent reference point you can use to sanity-check and, where the law allows, appeal what your insurer says.
Can I see and appeal the wildfire score my insurer uses?
It’s starting to become a legal right. In Colorado, HB 25-1182 requires insurers that use a wildfire risk model or scoring method to disclose the score, the range of possible scores, and a plain-language explanation of the property features behind it, beginning July 1, 2026 — and lets you appeal directly to the insurer. Even where it isn’t yet law, you can ask your insurer for the basis of your rating and document your mitigation to support a better one.
How do I lower my wildfire risk score?
Mitigation. The highest-impact, best-documented moves are a Class-A fire-rated roof, ember-resistant vents, an ember-resistant 0–5 ft Zone 0, and maintained defensible space. Keep dated photos and invoices, and add any community-wide effort like a Firewise USA® recognition — together these are what reduce real ignition risk and support an insurance appeal.
Can I see a sample report before entering my address?
Yes. The "See a sample report" button on this page opens a full FireRisk report for a real Colorado wildland-urban-interface address — the score, the factor breakdown, nearby fire history, the spread simulator, and insurance and mitigation guidance — so you know exactly what you’ll get before typing your own address.
Read the full wildfire risk score guide →

See your home's risk now.

Free, instant, and built on authoritative federal and state hazard data.

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Data: USFS Risk to Communities · FEMA NRI · NIFC · USGS · CAL FIRE FHSZ · methodology