Extreme wildfire risk · 80/100
Washington County, UT Fire Insurance
Washington County carries a extreme wildfire risk rating (80/100). 14 wildfires have been recorded within 25 miles since 2000 — the closest, the Oak Grove (2015), just 2.0 miles away. Homes in this band are the first to be non-renewed — many standard carriers have already stopped writing here. Here's what coverage costs, who still writes here, and how to lock it in.
Find who'll still cover a Washington County home →Washington County's wildfire risk profile
80/100
FireRisk score
Extreme
Risk band
80
Neighborhood range
14
Fires within 25 mi (since 2000)
What this means for you
- The 80/100 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.
- “Extreme” is the band that score falls into. Homes here are among the first that carriers reprice or decline to renew.
- The neighborhood range is how much risk varies street to street. Risk is fairly consistent across this area, though your specific lot still matters.
- 14 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.
The closest federally recorded wildfire is the Oak Grove (2015), about 2.0 miles away. Insurers weigh this proximity heavily — risk varies street by street, so see the full Washington County risk report or check your exact address.
What extreme risk means for your coverage
Homes in this band are the first to be non-renewed — many standard carriers have already stopped writing here. Utah’s wildfire pressure runs along the Wasatch Front interface and the southern canyon country. Utah does not operate a FAIR Plan; declined homes turn to surplus-lines carriers.
What fire insurance costs in Washington County
Wasatch and southern-Utah WUI premiums have risen with drought and development; defensible space on Gambel oak and brush increasingly affects pricing.
~$1,520/yr in mitigation-linked discounts and credits may be available to Washington County homeowners who harden and document their home.
If you can't find coverage in Washington County
Utah does not operate a FAIR Plan. Homeowners in Washington County 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 →
Carriers are exiting your market. Your next renewal may not come.
Industry reporting describes extreme-risk homeowners receiving non-renewal notices at several times the national rate, often ~60 days before expiration. Acting early gives you the most options.
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 Utah homeowners with licensed agents who write extreme-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$1,520/yr — typical savings when Utah homeowners compare carriers.
Go deeper on Washington County
See the full wildfire-risk breakdown, or compare insurance in nearby Utah areas.
Washington County wildfire risk report →Washington County fire insurance FAQ
Is it hard to get fire insurance in Washington County, UT?
Washington County carries a extreme wildfire risk rating (80/100 on FireRisk's federal-data model). Homes in this band are the first to be non-renewed — many standard carriers have already stopped writing here. 14 wildfires have been federally recorded within 25 miles since 2000, the closest being the Oak Grove (2015), 2.0 miles away.
How much does fire insurance cost in Washington County?
Wasatch and southern-Utah WUI premiums have risen with drought and development; defensible space on Gambel oak and brush increasingly affects pricing. A extreme-risk Washington County 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 $1,520/yr in mitigation-linked discounts and credits.
What if no carrier will insure my Washington County home?
Utah does not run a FAIR Plan, so Washington County 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 Washington County 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.
Utah 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.