California’s New Fire Hazard Maps Are Out—Is Your Home Now at Risk?

California’s New Fire Hazard Maps Are Out—Is Your Home Now at Risk?

After more than a decade, California has released updated Fire Hazard Severity Zone (FHSZ) maps—and they’re raising eyebrows across the state.

CAL FIRE’s revamped maps now classify approximately 6.8 million acres of land as being in fire hazard zones. In Los Angeles County alone, more than 440,000 acres were added to fire-prone areas, a 30% jump that includes more than 1.2 million acres now marked as Very High Fire Hazard Severity Zones.

If you own a home in or near a wildland area, these updates could directly impact your insurance, your safety—and your peace of mind.

See Where You Stand

These maps aren’t based on assumptions. They’re built from real, location-specific data: fire history, terrain, wind patterns, vegetation, and more.

Don’t guess whether you’re in a high-risk area. Know.

Use CAL FIRE’s Interactive Map to Look Up Your Address

What Being in a Fire Zone Could Mean for You

Being in a fire hazard zone might:

• Affect your homeowners insurance: Premiums can increase, and some providers may not renew your policy at all.
• Trigger new requirements: Local ordinances or building codes may change, especially around defensible space.
• Put you at higher risk during fire season: Knowing your zone allows you to prepare accordingly—before it’s too late.

What You Can Do Right Now

1. Review Your Insurance Coverage
   If it’s been a while since you looked at your homeowners policy, now is the time. At Schaub Insurance Agency, Inc., we’ll review your coverage and explain how these updated zones could affect your policy.
   
   
2. Get Prepared with Trusted Resources
   Visit ReadyForWildfire.org—an excellent site created by CAL FIRE with step-by-step guides on how to:
   
   
   • Prepare your home
   • Create defensible space
   • Build an emergency evacuation plan
   • Stay updated during active fires
     
     
3. Harden Your Property
   Fire-resistant roofing, ember-blocking vents, and cleared brush can go a long way—not only for safety, but sometimes to help you keep insurance coverage.

We’re Here to Help

At Schaub Insurance Agency, Inc., we know wildfire season isn’t what it used to be—and insurance companies are watching these maps closely. We’re ready to:

• Help you understand your risk
• Guide you through coverage options
• Offer tips for protecting your property and staying insurable

Call us today to schedule a coverage review or ask questions about how these new maps could affect your home.

Don’t wait for fire season to find out you’re underinsured. Check the map, prepare your home, and make sure your policy is ready.
Let’s stay proactive—together.