{
  "title": "Fire Risk and Home Insurance | Satelife",
  "description": "How wildfire risk has rewritten home insurance — carrier withdrawals, FAIR Plan, surplus lines, SB 1060 mitigation discounts. Start with the California breakdown.",
  "image": "https://satelife.ai/images/img_01.jpg",
  "canonical": "https://satelife.ai/insurance/fire-risk/",
  "content": "[Home](/)›[Insurance](/insurance/)›Fire Risk\n\nInsurance · Fire risk\n\n# Wildfire risk and home insurance — the _new market_\n\nThree years of carrier withdrawals and the 2025 Palisades and Eaton fires changed the math on every California property pro-forma. Mitigation evidence is now what moves carrier decisions. This is the index of fire-risk insurance coverage on Satelife.\n\n[Get a carrier-ready report →](/#cta) [Read the California breakdown ↓](/insurance/fire-risk/california/)\n\n![Aerial of Rancho Bernardo, California — intact homes next to destroyed ones after the 2007 Southern California wildfires. The block-by-block randomness that drives California underwriting](https://upload.wikimedia.org/wikipedia/commons/thumb/1/17/FEMA_-_33403_-_Aerial_of_burned_homes_in_California.jpg/1280px-FEMA_-_33403_-_Aerial_of_burned_homes_in_California.jpg)\n\nSource: FEMA, photo by Andrea Booher, October 31, 2007 — Rancho Bernardo, California after the Southern California wildfires. Via [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:FEMA_-_33403_-_Aerial_of_burned_homes_in_California.jpg) (public domain).\n\n400K+ California FAIR Plan policies in 2024 — up ~100% vs 2020\n\n7 of 12 largest US carriers restricted or withdrew from California since 2021\n\nSB 1060 in force 2025 — carriers must discount verified mitigation\n\nFire-risk insurance coverage\n\n## In this section — _pages and reports_\n\n[California wildfire insurance FAIR Plan, carrier non-renewals, SB 1060 mitigation discount path, and the non-renewal playbook](/insurance/fire-risk/california/)\n\nRelated coverage\n\n## Across the _Satelife wildfire-risk site_\n\n[California wildfire risk How property-level risk is calculated and where the highest exposure is](/wildfire-risk/california/) [California real estate wildfire risk Buyer due diligence and disclosure obligations](/real-estate/fire-risk/california/) [How Satelife calculates wildfire risk Data sources, score composition, honest limits](/wildfire-risk/methodology/)\n\n## Get a _carrier-ready_ wildfire risk report\n\nPDF + score + the mitigation actions that move your carrier's risk model. Built for the SB 1060 discount workflow.\n\n[Run your address →](/#cta)\n\n[![PRR](/images/prr.png)](/ficha-de-website-voucher-satelife.pdf)\n\n© 2024–2026 Satelife, Lda. All rights reserved.\n\nSatelife reports are for informational purposes only and do not constitute insurance, financial, or legal advice."
}