FireRisk.ai wildfire-insurance report · 2026
Is your area becoming uninsurable?
Wildfire is making home insurance harder to get across the West. We scored the hardest-hit communities in the country — and, more importantly, here’s how to find out where your home stands and exactly what to do about it.
- 13 carriers compared
- Built on federal USFS, FEMA & NIFC data
- Free · no obligation · we never sell your address without consent
- Independent — not an insurer
What this means for you
What “insurability” means
A 0–100 score for how easily a normal home in an area can actually get coverage. Lower = the standard insurers are pulling back.
Why it’s dropping
After years of wildfire losses, big carriers have raised rates and stopped writing (or renewing) homes in high-risk areas.
It’s not hopeless
Even in the hardest areas, specialist carriers, your state FAIR Plan, and documented home-hardening can keep you covered.
Want your home’s score, not just your area’s? Your address matters more than your city or ZIP — a single street can swing the number. Check yours in about 30 seconds.
Check my home →Start with your own home — it matters more than your area
Your exact address tells you far more than a city average — two homes on the same street can score very differently. Get your home’s wildfire risk, its insurability, and your best coverage moves in about 30 seconds, free.
Check my home’s insurability →Our full ranking of the 145+ highest-exposure communities across 13 wildfire states is refreshing and publishes here shortly.
In a hard-to-insure area? See who still writes your home — free
If your city or ZIP ranks low on insurability, the standard market isn't the whole market. Tell us where your home is and we'll match you with the specialist, surplus-lines, and FAIR-Plan carriers still writing wildfire-country homes. No obligation.
Go deeper
Methodology: wildfire-risk scores are computed from USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain slope, and recent fire history; insurability is derived via FireRisk.ai’s published model for a typical un-mitigated home at a ~$450k rebuild cost. The national ranking is scored at the city level (one sampled point per city) across every wildfire state we cover; California is additionally broken out to the ZIP level, the only state where we maintain a curated ZIP dataset. Figures are model estimates for orientation, not quotes, offers of coverage, or guarantees of availability. Only areas backed by live federal data are included. FireRisk.ai is independent and not affiliated with any insurer. Data as of the date shown above.