Wildfirely

Find out what wildfire
means for your home.

A free 0–100 risk score for any US address, built from the same federal hazard data insurers and fire agencies use. See what is driving the number, which fires have burned nearby, and what your band means when your policy comes up for renewal.

Free · no account · your address is used only to build the report and is never sold. See a sample report

Scored from USFS Risk to Communities FEMA National Risk Index NIFC fire history USGS 3DEP terrain NWS fire weather

What each band means for your insurance

The score is relative. It tells you how your parcel compares to others, not that a fire will happen. Where it bites is underwriting: carriers price, inspect and decline against hazard layers that move in step with these bands.

Low0–19

Minimal hazard. Standard admitted carriers should compete for you on price.

Moderate20–39

Some exposure, but usually still firmly inside the standard market.

High40–59

Surcharges, inspections and stricter eligibility — and real savings from documented mitigation.

Very High60–79

Many admitted carriers decline. Often surplus lines, with a FAIR Plan as backstop.

Extreme80–100

Frequently a FAIR Plan policy paired with a difference-in-conditions wrap.

Burning right now

Largest active US incidents, straight from the interagency feed.

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Start where you actually are

My insurer dropped me

Non-renewal because of fire risk is now routine in the western states. What the letter means, how long you have, and what the realistic paths back to coverage are.

Read the non-renewal guide

I want a lower score

Mitigation is the only lever you control. The Zone 0 ember-resistant band, Class-A roofing and ember-resistant vents are the changes that move both real risk and underwriting.

See what actually works

I'm buying a house

Check the parcel before you are committed. A Very High band can add thousands a year in premium, or mean the only offer is a FAIR Plan policy plus a wrap.

Browse risk by state

Understanding wildfire

Background on how fire actually behaves — the vocabulary you will meet in an incident report, an inspection, or a news bulletin, explained without the jargon.

What actually is a wildfire?

An unplanned fire burning in vegetation — forest, grassland, shrubland or peat. The label is about the fuel and the lack of intent, not the size. A quarter-acre grass fire nobody meant to start is a wildfire; a 10,000-acre prescribed burn lit deliberately by an agency is not.

Fire itself needs three things at once: fuel, oxygen, and enough heat to sustain combustion. Remove any one and it stops. Almost everything firefighters do comes down to removing one of those three.

What is the difference between a ground, surface and crown fire?

Ground fires burn below the surface in duff, roots and peat. They move slowly, produce little flame, and can smoulder through winter under snow before re-emerging.

Surface fires burn litter, grass and low shrubs. Most fires are surface fires, and most are controllable.

Crown fires burn through the canopy. Once a fire reaches the crowns it moves with the wind rather than through the fuel bed, spreads several times faster, and is effectively uncontrollable by direct attack. What lets a surface fire climb is ladder fuel — the shrubs and low branches bridging the gap.

What does containment actually mean?

It is the share of a fire's perimeter enclosed by a control line that crews expect to hold — not the share extinguished. A fire at 60% containment is still burning freely along the other 40%.

A control line can be a hand-dug trench, a bulldozed strip, a road, a river, or an area burned out deliberately ahead of the fire. Containment can also go backwards: a wind shift that breaches a line drops the number.

How do wildfires get their names?

The first arriving incident commander names the fire, almost always after a nearby geographic feature — a road, creek, ridge or drainage. It is a practical choice, made so radio traffic is unambiguous within minutes.

When several fires burn close enough to be managed as one, they become a complex and take a new combined name. That is why acreage figures sometimes appear to jump overnight without a corresponding spread.

What is fuel moisture and why does it matter so much?

The water content of vegetation, expressed as a percentage of its dry weight. It governs whether fuel ignites at all and how fast it burns.

Dead fuels are classified by how quickly they respond to changing humidity: 1-hour fuels are fine grass and needles that dry within an hour, up through 1,000-hour fuels — logs over three inches thick — which take weeks. A single hot dry afternoon changes the fine fuels; a drought changes the heavy ones, and that is what turns a normal season into a severe one.

What is a fire regime?

The pattern of fire an ecosystem historically experienced — how often it burned, how intensely, in which season, and at what scale.

Some systems burned lightly every few years, which kept fuel loads low. Others burned rarely but catastrophically, and their species are adapted to exactly that. A regime is not a prediction; it is a description of what a landscape is built for. Areas where fire has been excluded for decades are frequently far outside their historical regime, which is the mechanism behind a great many modern large fires.

Why are some plants adapted to fire?

Because in fire-prone systems, fire is a normal event rather than a disaster. Several strategies recur.

Serotiny — cones or fruit sealed with resin that only open in the heat of a fire, releasing seed onto freshly cleared ground. Thick bark — insulating the cambium so mature trees survive repeated surface fires. Resprouting — regrowing from protected root crowns or lignotubers after the top is destroyed. Fire-cued germination — seeds triggered by heat or by chemicals in smoke.

What is the wildland-urban interface?

The zone where development meets undeveloped wildland vegetation. It is where nearly all structure loss occurs, and it has been the fastest-growing land-use category in the United States for decades.

The interface is not only a rural phenomenon. Intermix — houses scattered within continuous vegetation — and interface — dense development pressed against a wildland edge — behave differently, and both exist inside city limits in many western states.

What is a pyrocumulonimbus cloud?

A thunderstorm generated by the fire itself. A large enough fire drives a column of hot air and moisture high into the atmosphere; if it reaches the condensation level it forms a cloud that behaves like a storm cell.

The consequences are serious. These columns produce erratic and violent surface winds, can generate lightning that starts new fires well ahead of the front, and occasionally collapse — sending a downburst outward in every direction at once. It is one of the conditions that makes fire behaviour genuinely unpredictable.

Why does slope affect fire so much?

Flames lean toward the slope above them, preheating and drying the fuel ahead. That fuel then ignites faster, which drives the fire further uphill, which preheats more fuel. As a rough rule, a fire's rate of spread roughly doubles for every 10 degrees of slope.

Aspect compounds it. South and west-facing slopes in the northern hemisphere receive more direct sun, so they carry drier fuel and lighter vegetation than a north-facing slope at the same elevation.

What is a Red Flag Warning?

A National Weather Service product issued when fire-weather conditions are occurring or imminent — typically some combination of low relative humidity, strong wind and dry fuels.

It does not mean a fire exists. It means that if something ignites, it is likely to spread rapidly and resist control. Agencies use it to pre-position crews and to impose burn restrictions.

Why did suppressing every fire make things worse?

For much of the twentieth century US policy aimed to extinguish every fire quickly — formalised at one point as a target of control by 10am the morning after a fire was reported. It worked, in the narrow sense: small fires stopped being common.

The consequence was that fuel which would have burned off regularly in low-intensity fires instead accumulated for decades. Forests grew denser, ladder fuels filled in, and the fires that eventually occurred were far more intense than the systems were adapted to. Modern policy treats fire as a process to be managed rather than eliminated, but the accumulated fuel debt remains across much of the West.

Where every number comes from

Eight public datasets, no proprietary layers, no paid feeds. Each one links straight to the source, and the full weighting is published so you can check the arithmetic yourself. More on who we are and how we work, and we write up what we learn on the blog.

Red Flag Warnings in force

A Red Flag Warning does not mean a fire exists. It means conditions are such that anything igniting is likely to spread fast and resist control.

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