What’s My Wildfire Risk? – Check Your Address
Enter any address to see your area’s wildfire hazard rating free — the modeled hazard for your neighborhood, straight from the USFS Wildfire Risk to Communities dataset. Then get the full report: what that rating can mean for your home insurance, plus your whole property’s risk picture.
Free Wildfire Risk Lookup
Enter any address – your area’s wildfire hazard free, insurance context in the report
Get your wildfire report & insurance context
Enter your email to see what your area’s wildfire hazard rating can mean for your home insurance, plus your home’s full property risk — flood zone, storm & hail exposure, roof, and radon — with what each factor means, on the next screen.
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How it works
Enter an Address
Type any US property address into the form above.
We Look Up Your Area’s Wildfire Hazard
We geocode your address and read the modeled wildfire hazard for your area from the USFS Wildfire Risk to Communities dataset — the U.S. Forest Service’s national wildfire model — for the neighborhood around your point.
See Your Hazard Rating & What It Means
Instantly see your area’s wildfire hazard rating free; enter your email for what it can mean for your home insurance, plus your home’s full property risk.
Why your wildfire risk matters
Your wildfire hazard rating — how much fire risk the models assign to your area — has quietly become one of the biggest drivers of what you pay for home insurance, and whether you can get a policy at all. In high-risk states, insurers use wildfire risk scores to set premiums, decline new applications, and non-renew existing policies, sometimes pushing homeowners onto a state FAIR Plan. This tool reads the modeled wildfire hazard for your area from the USFS Wildfire Risk to Communities dataset free, then puts it alongside your flood, storm, roof, and radon risk so you can see your whole property picture — no phone calls and no signup.
How homeowners use their wildfire rating
Understand your insurance: a high area hazard rating is a key wildfire-rating factor behind premium hikes and non-renewals
Budget before you buy: a high-hazard address can be hard or expensive to insure — check before closing
Know your FAIR Plan options: if private insurers won’t cover you, your state’s FAIR Plan may be the fallback — hazard rating is the first signal
See your full picture: pair your wildfire hazard with flood, storm, roof, and radon risk for the whole property
What the wildfire hazard rating is (and isn’t)
- An area hazard model: the USFS Wildfire Risk to Communities rating is a modeled hazard for your area/neighborhood, built from vegetation, terrain, weather, and historical fire data — not a physical inspection of your lot.
- Not a parcel-level inspection: it does not account for your specific home’s defensible space, roof material, or vent screening — things a wildfire assessor or your insurer’s own model would weigh.
- Not an insurer’s own score: insurers use their own proprietary models (such as FireLine or Cape Analytics), and their result for your address can differ from this public rating.
- Informational, not a determination: this rating does not itself affect your insurance eligibility or premium — it’s a starting point to help you understand and prepare.
A note on accuracy
This is a free lookup of the USFS Wildfire Risk to Communities hazard — a modeled hazard for your area or neighborhood, not a parcel-level inspection of your specific home. It is not an insurer’s own wildfire score: insurers use their own proprietary models (like FireLine or Cape Analytics), and their result for your address can differ. This rating is informational and is not a determination that affects your insurance eligibility. It does not measure your defensible space, roof material, or home hardening — a wildfire assessor or your insurer can. Confirm anything that affects your coverage or premium directly with your insurer or agent.
Wildfire hazard data courtesy of the USDA Forest Service, Wildfire Risk to Communities. This product also uses the Federal Emergency Management Agency’s OpenFEMA API for flood-zone context in the full report, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency’s website(s).
Frequently asked questions
How do I find the wildfire risk for my address?
Enter your address above. We resolve it to its location and read the modeled wildfire hazard for your area from the USFS Wildfire Risk to Communities dataset — the U.S. Forest Service’s national wildfire model. The rating appears free in seconds; the full report adds what it can mean for your home insurance plus your whole property’s risk picture.
Is this an inspection of my specific home?
No. The rating is a modeled hazard for your area or neighborhood, built from vegetation, terrain, weather, and historical fire data — not a parcel-level inspection. It does not account for your home’s defensible space, roof material, or vent screening. A wildfire assessor or your insurer would weigh those specifics.
Is this the same score my insurer uses?
Not necessarily. Insurers use their own proprietary wildfire models (such as FireLine or Cape Analytics), and their result for your address can differ from this public USFS hazard rating. Use this as an informational starting point, then confirm anything that affects your coverage or premium directly with your insurer or agent.
Does wildfire risk affect my home insurance?
Yes — significantly, in high-risk states. Insurers use wildfire risk to set premiums, decline new applications, and non-renew existing policies, and a high hazard can push a homeowner toward a state FAIR Plan. This public rating is informational and is not itself a determination that affects your eligibility — your insurer’s own assessment does that.
What is the wildland-urban interface (WUI)?
The WUI is where homes meet or mingle with undeveloped wildland vegetation. Homes in or near the WUI carry the highest wildfire risk because fire can spread directly from vegetation to structures. Much of the wildfire loss in the US happens in the WUI, which is one reason area hazard models weigh it heavily.
Which states have the highest wildfire risk?
California, Colorado, Texas, Arizona, Oregon, Washington, Idaho, Montana, Nevada, Utah, and New Mexico consistently rank highest, but wildfire risk exists in most states. The USFS model covers the whole country, so you can check the hazard for an address anywhere in the US.
Is this really free?
Yes. The wildfire hazard lookup is completely free — no credit card and no hidden fees. Enter your email to also get your full property risk report (wildfire, flood zone, storm, roof, and radon) at no cost; a deeper paid report is offered but never required.
How do I use BuildFolio’s free wildfire risk lookup?
Enter any US property address in the form above — no signup or account required. The tool resolves your address, reads your area’s wildfire hazard from the USFS Wildfire Risk to Communities dataset, and shows it free, then gives your insurance context and full property risk on the next screen. Results appear in seconds.
Ready to check your wildfire risk?
Get your free wildfire hazard lookup by address from USFS data — then what it can mean for your insurance and your full property risk report — in seconds. No signup.
Check My Wildfire Risk