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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.

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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
Source: FEMA, photo by Andrea Booher, October 31, 2007 — Rancho Bernardo, California after the Southern California wildfires. Via Wikimedia Commons (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
Related coverage

Across the Satelife wildfire-risk site

California wildfire risk How property-level risk is calculated and where the highest exposure is California real estate wildfire risk Buyer due diligence and disclosure obligations How Satelife calculates wildfire risk Data sources, score composition, honest limits

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

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