--- title: WILDFIRE RISK Q&A - Navigating Your Property Insurance Options description: WILDFIRE RISK Q&A - Navigating Your Property Insurance Options. --- # WILDFIRE RISK Q&A - Navigating Your Property Insurance Options April 2025 ![How Wildfire Risk Score Affects Home Insurance](https://webtricity-assets-2.wbtcdn.com/31de1524-dc77-49cc-bcee-7eab37092034/images/upload/wildfire-risk-score-how-it-affects-home-insurance-1170x780.w760.q80.8aa5894944cc2f781a49ee93932046392a3c7a3f40dec46832aa1cff22750a08.png) # WILDFIRE RISK Q&A - Navigating Your Property Insurance Options. ## Q: What Is A Wildfire Risk Score? A wildfire risk score is a rating system used to grade a community’s relative wildfire risk. While underwriting your homeowner's insurance policy, your insurers may consider two wildfire risk scores: ## Q: Why Is My Wildfire Score So High? Sometimes people are surprised to learn that their property has a high wildfire risk score. People often assume they have a low risk because they don’t live in a wooded area. However, as the Los Angeles area wildfires have shown, even residential areas can be at risk. Your score my be high due to a variety of reasons, such as: 1. Proximity to High-Risk Areas 2. Weather Patterns 3. Building Materials 4. Surrounding Vegetation. ## Q: How Do Insurers Use Wildfire Risk Scores? When you apply for a new homeowners policy, or when your policy is up for renewal, your insurance company may use FEMA’s Wildfire Risk Index or its own proprietary risk score as part of the underwriting process. ## Q: What Should I Do if I Get a Cancellation Notice or Rate Hike? Don’t panic! You still have options – especially if you have RIGHTSURE by your side. If you have received a non-renewal or rate hike notice from your insurer, reach out to RIGHTSURE immediately. Call or text us at 520-917-5295. Our [Famously Friendly Humans](https://www.rightsure.com/staff-directory) are experts at helping homeowners secure coverage despite challenges – but it takes time, creative thinking and connections. It may take 8-10 business days, so do not procrastinate! As soon as you are aware of a potential issue, reach out to us for free guidance and assistance. We will help you navigate your options to find the best coverage. With access to 40+ carriers, there is a good chance that we can help you find a good option. ### Want More Info? Visit our selection of [WhitePapers Here:](https://www.rightsure.com/whitepapers) ### Insurance Quotes Give us some info and we'll help you find the best coverage options. 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