Insurability — not just risk
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.
Two homes at the same wildfire risk can sit anywhere on this line. Your insurability score tells you where — and the shortest way to move right.
What's your home's insurability?
Two homes with the same wildfire risk can be worlds apart on insurance. Check your exact address for a real score, or explore a risk level to see how the tiers work.
Free · uses federal USFS, FEMA & NIFC data · no obligation
How this works
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.
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 shortlist of trusted 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.