The official CAL FIRE Fire Hazard Severity Zone map, embedded right here. Search any address — and I'll send you a written interpretation of what the zone means for insurance, your offer, and your monthly cost.
This is the same map insurance companies, county planners, and licensed fire-zone consultants use. Click below to open it in a new tab — search your address using the search bar in the upper-left.
Statewide map showing every parcel's fire-zone classification. Searchable by address. Updated continuously by CAL FIRE.
Hosted by California Department of Forestry and Fire Protection (CAL FIRE) at osfm.fire.ca.gov. Data is subject to periodic revision.
Knowing the zone is half the picture. The other half is what it means for insurance availability, your real monthly cost, and whether the property fits your budget. I'll do the homework and email it back, free.
CAL FIRE classifies every parcel in California into one of four Fire Hazard Severity Zones (FHSZ). The classification is based on fuels (vegetation), terrain, weather, and historic fire patterns.
No designated wildfire hazard. Standard insurance, no special building requirements.
Low to moderate wildfire risk. Standard insurance still available, defensible space recommended.
Significant risk. Insurance available but premiums noticeably higher. CA building codes require fire-resistant construction.
Highest risk classification. Many insurers limit new policies; CA Fair Plan often required. Strict building hardening + 100ft defensible space mandatory.
Most of Temecula and Murrieta carries some level of designated wildfire risk — it's part of the trade-off of being inland Southern California with lots of open space and Santa Ana wind exposure. The intensity varies dramatically by neighborhood:
Per First Street risk modeling, ~99% of Murrieta properties carry some degree of 30-year wildfire risk. That doesn't mean your house is going to burn — it means insurance is the line item to verify before falling in love with a property.
Earlier versions of this page tried to auto-classify addresses via CAL FIRE's data API. The endpoints rotate periodically, and a partial result can be misleading — telling someone they're "not in a fire zone" when they actually are is the opposite of helpful.
So this page now embeds CAL FIRE's official map (the source of truth) and routes you to me for a written interpretation. You get accurate data plus an agent who can tell you what to do with it.
Before you write an offer, I'll pull actual insurance quotes from 2–3 local providers, verify the official CAL FIRE classification, and give you the all-in monthly cost picture. Free, no obligation.