Wildfire Defense Calculator
Wildfire Defense Calculator

See Your Wildfire Readiness Estimate

Use a few property details to estimate potential wildfire exposure, compare annual protection costs, and decide whether a contractor review should be your next step.

1 Insurance Premium

What do you pay for wildfire insurance each year?

Your annual premium. A rough estimate is fine.

$5,000per year
$1,000$100,000
2 Home Size

How large is your home?

Approximate livable square footage. This helps estimate the number of defense systems needed.

2,500square feet — 1 system · $1,800/yr
500 sq ft10,000 sq ft
3 Rebuild Value

What would it cost to rebuild your home?

Use the estimated rebuild cost, not the sale price. Include structure, contents, and major property losses where relevant.

$1.5Mestimated rebuild cost
$250K$10M
4 Risk Assessment

What are the odds a wildfire damages your home this year?

Use your best estimate. Local fire history, vegetation, slope, access, and weather patterns can all affect risk.

3%estimated annual probability
0.5%15%
5 Location

What’s your zip code?

This can be used later to connect the estimate to local wildfire hazard data and nearby contractors.

Contractor Review

Request a Wildfire Readiness Review

Your estimate is a starting point. Share your contact details and a Get Climate Ready partner can help review your property, confirm which upgrades matter most, and connect you with the right wildfire protection contractor.

Your Results

Your Wildfire Risk in Plain Numbers

Here is the planning estimate behind your result. It compares possible yearly exposure with estimated annual protection cost.

Estimated Annual Exposure $45,000 Potential yearly loss based on rebuild value and wildfire probability.
Estimated Protection Cost $1,800/yr Estimated annual protection cost based on home size.
Break-even point 4.0% of the time

Your protection cost only needs to help prevent a small share of estimated annual wildfire exposure to make the review worth considering.

Risk Comparison

How Your Estimate Compares

Wildfire risk varies by location, slope, vegetation, access, building materials, and weather patterns. Use this as a planning guide only.

Risk Level Annual Probability Planning Priority
Lower0.5% – 1.9%Review basic maintenance and defensible space.
Moderate2.0% – 4.9%Review ember entry points, vents, decks, and landscaping.
Higher5.0%+Schedule a contractor review before peak fire season.
Defensible SpaceReview vegetation, debris, and combustible materials near the home.
Ember ProtectionCheck vents, gaps, roof edges, gutters, and other ember entry points.
Exterior MaterialsLook at roofing, siding, decks, fencing, and attached structures.
Access & WaterReview driveway access, address visibility, slope, and water availability.