{
  "title": "Wildfire Risk and Real Estate | Satelife",
  "description": "How wildfire risk affects California real estate transactions — value impact, insurance at closing, §1103 and AB 38 disclosure, and the three real paths for buyers.",
  "image": "https://satelife.ai/images/img_01.jpg",
  "canonical": "https://satelife.ai/real-estate/fire-risk/",
  "content": "[Home](/)›[Real Estate](/real-estate/)›Fire Risk\n\nReal estate · Fire risk\n\n# Wildfire risk and real estate — the _buyer's view_\n\nPre-offer due diligence on insurability is now as consequential as the home inspection. The disclosure forms capture the fire-zone band but not the property-level evidence. This is the index of fire-risk real-estate coverage on Satelife.\n\n[Run a pre-offer report →](/#cta) [Read the California breakdown ↓](/real-estate/fire-risk/california/)\n\n![Malibu, California hillside — intact tile-roofed homes surrounded by burned vegetation after the 2007 wildfires. The properties that survived because of documented mitigation](https://upload.wikimedia.org/wikipedia/commons/thumb/9/93/FEMA_-_33608_-_Burned_Vegetation_in_California_with_mitigated_homes.jpg/1280px-FEMA_-_33608_-_Burned_Vegetation_in_California_with_mitigated_homes.jpg)\n\nSource: FEMA, photo by Susie Shapira, November 16, 2007 — Pepperdine University area, Malibu, California. Mitigation that worked. Via [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:FEMA_-_33608_-_Burned_Vegetation_in_California_with_mitigated_homes.jpg) (public domain).\n\n18,000+ structures destroyed in the January 2025 Palisades and Eaton fires\n\n§1103 California Natural Hazard Disclosure required at every residential sale\n\n3 paths investors actually have on a fire-zone California property\n\nFire-risk real estate coverage\n\n## In this section — _pages and reports_\n\n[California real estate wildfire risk Why wildfire risk is a closing-risk variable, value impact, disclosure obligations, and the three real paths on a fire-zone property](/real-estate/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 wildfire insurance FAIR Plan, non-renewals, SB 1060 discount path](/insurance/fire-risk/california/) [How Satelife calculates wildfire risk Data sources, score composition, honest limits](/wildfire-risk/methodology/)\n\n## Run a _pre-offer_ wildfire risk report\n\nPDF + property-level risk score + the specific mitigation actions a future buyer or carrier will look for. Built to price into the offer.\n\n[Start with the 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."
}