Could your neighborhood now be considered “very high” fire risk?
San Diego County leaders are preparing to adopt new fire hazard maps, and the changes could have major implications for both homeowners and their insurance coverage.
What’s Changing in San Diego County?
For the first time in nearly 15 years, the State Fire Marshal has updated the Fire Hazard Severity Zone Maps. The new maps reveal a 26% increase in county land now classified as “very high” fire risk.
This isn’t just affecting backcountry areas — for the first time, even some coastal neighborhoods are being included in the high-risk zones. The updated maps are based on an advanced ember model that demonstrates how far burning embers can travel and potentially ignite homes, even miles away from a wildfire’s origin.
How Will This Affect Homeowners?
The new designations go beyond just awareness. They directly influence home insurance coverage and homeowner requirements.
Property claims consultant Ken Ezra explains that insurance companies rely on these maps to determine:
Who gets coverage
Who may face non-renewals
Who may receive limited policies
In some cases, insurers may require additional fire safety measures, such as installing sprinklers, in order to maintain coverage. These upgrades could cost homeowners several thousand dollars — but for many, they may be the only way to keep their policies in place.
Why It Matters for San Diego Residents
Thousands of households are expected to be impacted by the rezoning. With wildfire seasons becoming longer and more severe, these changes underscore the growing importance of fire safety in both rural and urban communities.
While the update is designed to help reduce fire risk, it also highlights the financial burden many homeowners may face when adapting to new insurance requirements.
Key Takeaways
26% more land in San Diego County is now designated “very high” fire risk.
Coastal areas are included for the first time due to ember spread models.
Insurance companies will use the maps to determine coverage, renewals, and added safety requirements.
Homeowners may face new costs for fire safety upgrades to keep policies active.
Final Thoughts
Whether you live in the backcountry or near the coast, these updates serve as a reminder to stay proactive. Review your home insurance policy, speak with your provider, and consider fire-hardening improvements that can protect your home and peace of mind.