---
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/"
---

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Insurance · Fire risk

# Wildfire risk and home insurance — the _new market_

Three 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.

[Get a carrier-ready report →](/#cta) [Read the California breakdown ↓](/insurance/fire-risk/california/)

![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)

Source: 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).

400K+ California FAIR Plan policies in 2024 — up ~100% vs 2020

7 of 12 largest US carriers restricted or withdrew from California since 2021

SB 1060 in force 2025 — carriers must discount verified mitigation

Fire-risk insurance coverage

## In this section — _pages and reports_

[California wildfire insurance FAIR Plan, carrier non-renewals, SB 1060 mitigation discount path, and the non-renewal playbook](/insurance/fire-risk/california/)

Related coverage

## Across the _Satelife wildfire-risk site_

[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/)

## Get a _carrier-ready_ wildfire risk report

PDF + score + the mitigation actions that move your carrier's risk model. Built for the SB 1060 discount workflow.

[Run your address →](/#cta)

[![PRR](/images/prr.png)](/ficha-de-website-voucher-satelife.pdf)

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Satelife reports are for informational purposes only and do not constitute insurance, financial, or legal advice.