Fire, storm and insurance guides

Wildfire Prepared Home checklist for California homes

What the IBHS checklist asks for at the Base and Plus levels, with steps you can start this week. Published October 11, 2026.

Insurance inspectors, non-renewals and the FAIR Plan

What an inspector looks at, what a non-renewal notice must tell you, and how the FAIR Plan works. Updated October 11, 2026.

What California home insurers look for

State Farm, Farmers, CSAA, Mercury, USAA, Allstate and the FAIR Plan on wildfire, discounts and the Wildfire Prepared Home designation. Updated October 11, 2026.

Defensible space calculator

How much ground falls in each zone around your home, and the checklist for 0 to 5, 5 to 30 and 30 to 100 feet.

How to keep your home insurance in a fire zone

What California insurers look for now, the discounts they must offer, and the Wildfire Prepared Home designation. Updated October 11, 2026.

Is your home in a fire zone? Address check

Type your address to see your fire hazard zone, who covers wildfires there, and whether Zone 0 would apply. Includes an insurance checklist.

Zone 0 in Sonoma County

Where the rules stand, what they would require, and what to do in the first 5 feet around your home. Updated October 10, 2026.