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Fire & insurance

Fire hazard zones & home insurance in SLO County

How fire risk affects buying, owning and insuring a home here, from someone who fights fires in this county.

This guide is being written. The outline below shows what it will cover. Every rule and number will link to its official source when the page goes live.

Fire hazard severity zones

  • How to look up any SLO County address
  • What the updated state maps changed
  • Disclosure rules when buying or selling

Defensible space & home hardening

  • Zone 0, 1 and 2 explained
  • Roofs, vents, gutters and decks
  • What inspectors actually look for
  • Cost-effective upgrades by priority

Home insurance

  • Why policies are being non-renewed
  • The California FAIR Plan and wrap-around coverage
  • Discounts for mitigation (Safer from Wildfires)
  • Questions to ask before you buy

Before you buy

  • Getting insurance quotes before removing contingencies
  • Evacuation routes and access
  • Water supply and hydrant coverage

Primary sources