San Diego Home Insurance & Wildfire Risk: What Buyers Need to Know

A San Diego hillside neighborhood at golden hour, with stucco homes and a canyon or open space edge behind them

The Short Answer Before you make an offer on a San Diego home, check two things: whether the address sits in a CAL FIRE fire hazard zone, and whether an insurer will actually write a policy on it. The state redrew San Diego County’s fire maps in 2025, FAIR Plan rates went up October 15, […]