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Wildfire news, daily.
What changed today in wildfire risk, fire insurance and home hardening across Los Angeles, Lake Tahoe and Nevada, and what it means for your home.
Kim's Public Wildfire Insurance Plan: What Homeowners Should Know
Incoming Insurance Commissioner Jane Kim says a public pool should cover wildfire rebuilding costs up to $400,000. It is still a proposal, so here is what it means for your home today.
Read the story →Insurance Non-Renewal Moratorium: Dove Fire Order Explained
California's insurance commissioner ordered a one-year non-renewal moratorium for about 50,000 policyholders near the Dove Fire. Here is how the rule works and what it means for you.
By Patrick ReitzNov 11, 2026 · 7 min readZone 0 Rules Re-Adopted: What It Means for Your Insurance
California's Board of Forestry re-adopted its Zone 0 rules on Nov. 5, but they are not in effect yet. Insurers say compliance alone may not change your coverage or pricing.
By Patrick ReitzNov 10, 2026 · 7 min read
Red Flag Warning in LA Mountains: What Homeowners Should Know
A Red Flag Warning covered the Santa Monica Mountains and Santa Clarita Valley on Saturday, Nov. 7. Brush is still dry after recent rain, and the weather is only part of the story.
By Will SpyrisonNov 08, 2026 · 7 min readFAIR Plan Growth Slows: What It Means for Your Home Insurance
New state data shows the California FAIR Plan added only 2,200 policies from July to September. Here is what the slowdown does and does not mean for your home insurance.
By Patrick ReitzNov 07, 2026 · 6 min readCalifornia Insurance Commissioner: Kim Declares Victory
Jane Kim declared victory on Friday in the race for California insurance commissioner. Nothing changes for your policy today, but here is what to watch and what to do now.
By Patrick ReitzNov 06, 2026 · 7 min readSanta Ana Winds Return This Weekend: Prepare Your LA Home
Southern California is warming up this week, with Santa Ana winds forecast by the weekend. Forecasters call the event mild, but last month showed why a few simple steps still matter.
By Will SpyrisonNov 03, 2026 · 6 min readZone 0 Rules Head Back to California's Board of Forestry
California's Zone 0 ember-resistant rules are expected back before the Board of Forestry this week. No statewide rule is in effect yet, but the first five feet around your home is worth prepping now.
By Patrick ReitzNov 01, 2026 · 7 min readLA Halloween Rain: What Burn Scar Homeowners Should Do
A rare wet Halloween weekend is heading for Los Angeles. Here is what the forecast means for homes near the Eaton and Palisades burn scars, and what to do before the rain arrives.
By Will SpyrisonOct 30, 2026 · 7 min readCalifornia Home Insurance Losses: What 2025 Data Shows
New NAIC figures show California's 2025 homeowners losses far outran premiums, driven by the Palisades and Eaton fires. Here is what that means for your coverage and what you can do.
By Patrick ReitzOct 29, 2026 · 7 min readCalifornia Insurance Commissioner Race: What Homeowners Should Know
Californians pick a new insurance commissioner on Nov. 3. Here is what the two candidates propose for wildfire coverage, and what homeowners can document now, whoever wins.
By Patrick ReitzOct 27, 2026 · 6 min readCalifornia Home Insurance Rate Review Goes Public
California's Department of Insurance now lets insurers opt into a public rate review before they file. It won't change your bill tomorrow, but it changes how rate requests become visible.
By Patrick ReitzOct 24, 2026 · 7 min readCalifornia Orders Lenders to Report LA Fire Insurance Payouts
State regulators want mortgage lenders to explain how they handle insurance money owed to LA fire survivors. Here is what it means if you are rebuilding.
By Patrick ReitzOct 23, 2026 · 6 min read
Zone 0 Rules in California: Where Things Stand This Fall
California's five-foot ember-resistant zone was adopted in August, then pulled back from final review. Here is the status, what the draft requires, and what to do now.
By Patrick ReitzOct 21, 2026 · 4 min read
Santa Ana Fires Test Southern California Homes: What We Learned
The season's first Santa Ana event sparked the Norte, Bryson and Henderson fires. Most homes were spared. Here is what happened and what it means for your home.
By Will SpyrisonOct 19, 2026 · 5 min read
California FAIR Plan Rates Rise 29.1%: What Homeowners Can Do
FAIR Plan premiums rose an average of 29.1% on October 15. Here is who is affected, why rates went up, and how hardening can help you get back to a standard policy.
By Patrick ReitzOct 16, 2026 · 4 min read[ → ]Evergreen guides
From the Field Journal.
Reno Defensible Space Requirements: Washoe County Rules
How far you must clear around a Reno or Washoe County home depends on your hazard rating and fire district. Here is how the 30, 50 and 100 foot distances work, and how they connect to insurance.
By Will SpyrisonNov 09, 2026 · 9 min read
How Much Does a Wildfire Sprinkler System Cost?
Exterior wildfire sprinkler systems typically run from about $20,000 for a modest home into the tens of thousands for larger properties. Here's what drives the price and what you pay after install.
By Craig WeeksNov 06, 2026 · 4 min read
What Is the Burning Index? A Firefighter's Guide for Homeowners
Fire agencies rate wildfire danger every day with a number called the Burning Index. Here's how to read it, what it can't tell you, and what to do when it climbs.
By Craig WeeksNov 05, 2026 · 5 min read