High wildfire risk · 43/100
Hailey, ID Fire Insurance
Hailey carries a high wildfire risk rating (43/100). 57 wildfires have been recorded within 25 miles since 2000 — the closest, the Colorado Gulch Fire (2014), just 2.6 miles away. This band sees steep premium increases and rising non-renewals — shopping specialists early matters. Here's what coverage costs, who still writes here, and how to lock it in.
Find who'll still cover a Hailey home →Hailey's wildfire risk profile
43/100
FireRisk score
High
Risk band
26–43
Neighborhood range
57
Fires within 25 mi (since 2000)
What this means for you
- The 43/100 score rates this area's wildfire exposure from 0 (minimal) to 100 (extreme). Insurers use similar models to decide whether to offer a policy and what to charge — a score this high is what triggers premium increases and non-renewals.
- “High” is the band that score falls into. Homes here are among the first that carriers reprice or decline to renew.
- The 26–43 range is how much risk varies street to street. Your exact address could score noticeably higher or lower than the headline — check it before you assume.
- 57 fires within 25 miles since 2000 is the area's recent track record. Underwriters treat a longer nearby fire history as higher risk for the whole ZIP — not only the homes that actually burned.
Why isn't Hailey's score higher?
The Beaver Creek Fire (2013) burned roughly 111,496 acres within about 12 miles. Federal wildfire models are fuels-based, so a major recent burn temporarily lowers an area's modeled score while vegetation regrows — typically a 10–15 year window. That lower number is real fire science, not an all-clear: insurers don't follow the model down. Recently burned communities are still treated as maximum-risk markets for pricing and non-renewals, so shop and document mitigation as if the score were higher.
The closest federally recorded wildfire is the Colorado Gulch Fire (2014), about 2.6 miles away. Insurers weigh this proximity heavily — risk varies street by street, so see the full Hailey risk report or check your exact address.
What high risk means for your coverage
This band sees steep premium increases and rising non-renewals — shopping specialists early matters. Idaho’s wildfire exposure is broad — the Boise foothills, central Idaho forests, and the Panhandle — but its insurance market remains comparatively stable. Idaho does not operate a FAIR Plan; declined homes turn to the surplus-lines market.
What fire insurance costs in Hailey
WUI premiums have risen with the state’s heavy fire activity; defensible space and Firewise standing increasingly affect pricing in foothill and forest communities.
~$1,083/yr in mitigation-linked discounts and credits may be available to Hailey homeowners who harden and document their home.
If you can't find coverage in Hailey
Idaho does not operate a FAIR Plan. Homeowners in Hailey declined by admitted carriers rely on the surplus-lines (E&S) market — specialty insurers that write higher-risk homes. Comparing specialists and documenting mitigation matter even more here. How FAIR Plans work →
High risk — and your insurer already knows it.
Industry reporting describes steep premium increases for high-risk homes in recent years. One renewal cycle without action and you may be shopping the non-standard market.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
High risk doesn’t mean uninsurable.
We match Idaho homeowners with licensed agents who write high-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$1,083/yr — typical savings when Idaho homeowners compare carriers.
Go deeper on Hailey
See the full wildfire-risk breakdown, or compare insurance in nearby Idaho areas.
Hailey wildfire risk report →Hailey fire insurance FAQ
Is it hard to get fire insurance in Hailey, ID?
Hailey carries a high wildfire risk rating (43/100 on FireRisk's federal-data model). Across the area our samples range 26–43/100, so it varies by neighborhood. This band sees steep premium increases and rising non-renewals — shopping specialists early matters. 57 wildfires have been federally recorded within 25 miles since 2000, the closest being the Colorado Gulch Fire (2014), 2.6 miles away.
How much does fire insurance cost in Hailey?
WUI premiums have risen with the state’s heavy fire activity; defensible space and Firewise standing increasingly affect pricing in foothill and forest communities. A high-risk Hailey home sits toward the upper end of that spread. Your exact premium depends on construction, rebuild cost, and documented mitigation — homeowners here may access roughly $1,083/yr in mitigation-linked discounts and credits.
What if no carrier will insure my Hailey home?
Idaho does not run a FAIR Plan, so Hailey homeowners declined by admitted carriers turn to the surplus-lines (E&S) market. Documenting defensible space and hardening improves both eligibility and price.
Can I lower my Hailey fire insurance premium?
Yes. Document defensible space, harden the home (Class-A roof, ember-resistant vents, Zone 0 clearance), and pursue IBHS "Wildfire Prepared Home" certification — these unlock 5–25% discounts with participating carriers and can be the difference between a "yes" and a non-renewal.
Idaho fire insurance guide →
Statewide market, FAIR Plan, non-renewal playbook, and every discount available.
Been non-renewed? →
Your rights and the step-by-step path back to coverage after a non-renewal.
FireRisk scores are modeled from federal wildfire data for orientation and are not an insurance rating, an offer of coverage, or a guarantee of price or eligibility. Cost and savings figures are estimates that vary by home, carrier, and year. Verify all coverage with licensed carriers and confirm current programs with your state Department of Insurance. FireRisk.ai is independent; we may be compensated when you request quotes through a partner.