Is Your Home in a Fire Zone?
Enter your address to instantly check your California Fire Hazard Severity Zone designation — the same data insurance companies use to evaluate your property.
For educational purposes only. Zone designations are based on CAL FIRE maps and may not be current. Does not determine insurance eligibility — insurers use their own risk models.
What is FHSZ?
Fire Hazard Severity Zones are designated by CAL FIRE based on terrain, vegetation, weather patterns, and fire history. They directly affect your insurance options and building requirements.
Why it matters
Insurance companies use FHSZ designations when deciding whether to write or renew your policy. Homes in Very High zones face the most difficulty finding coverage.
What you can do
Fire hardening your home (roof, vents, defensible space) can make it safer, and some insurers offer discounts for it. Discounts vary by insurer, so ask your agent.
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