What is the wildfire risk in zip code 89431?

Zip code 89431 (Carson City Area, NV) has a WildfireRiskScore of 7.9 out of 10, classified as HIGH risk. This is based on USFS Fireshed Registry data, historical fire occurrence, and wildland-urban interface factors.

How many wildfires have occurred near 89431?

In the last 20 years, there have been 9 recorded wildfires within 25 miles of 89431, burning approximately 21K acres. Within 10 miles, 2 fires have occurred. The most recent fire was recorded in 2006.

Will homeowners insurance be affected by wildfire risk in 89431?

Yes — zip code 89431 is in a high-risk zone where some insurers have limited or non-renewed coverage. Homeowners may need to seek California FAIR Plan or specialty wildfire insurers. Premiums are estimated 69% higher than average.

Wildfire Risk in Zip Code 89431

Carson City Area, Nevada

🟠 HIGH RISK 7.9/10

9 Fires within 25mi (20yr)

21K Acres Burned (25mi)

2006 Last Fire Year

Historical Fires Near 89431 (Last 20 Years)

Radius	Fire Count	Acres Burned
Within 10 miles	2	8,146
Within 25 miles	9	21,412
Within 50 miles	24	—

Most recent fire recorded within 25 miles: 2006

USFS Fireshed Classification

Fireshed Region Great Basin

Nearest National Forest / Fireshed Humboldt-Toiyabe

WildfireRiskScore 7.9 / 10

Insurance Impact for 89431

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Coverage May Be Limited

This zip code is in a high wildfire risk zone. Several major insurers have stopped writing new policies or non-renewed existing policies in areas like 89431. Homeowners may need to seek California FAIR Plan, Surplus Lines, or specialty wildfire insurers such as Hippo or Openly.

Estimated wildfire-driven premium increase vs. low-risk areas: +69%

Wildfire Insurance Options

Hippo Insurance Wildfire-specific coverage programs Openly High-value wildfire coverage PolicyGenius Compare multiple wildfire insurers

Defensible Space Recommendations for HIGH Risk

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Zone 1 (0–30 ft)

Remove dead vegetation, create ember-resistant zone around home. Clear gutters and roof of debris regularly.

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Zone 2 (30–100 ft)

Space trees 10 ft apart crown-to-crown. Remove ladder fuels (low branches). Mow grass to 4 inches or less.

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Home Hardening

Use ember-resistant vents, Class A roof materials, multi-pane windows. Enclose eaves and soffits.

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Evacuation Plan

Know your evacuation zone and two exit routes. Sign up for local emergency alerts. Keep gas tank above half.

How the WildfireRiskScore Is Calculated

The WildfireRiskScore (0–10) for zip code 89431 is a composite of three factors:

USFS Fireshed classification (0–4 points): Based on the USFS Fireshed Registry, which categorizes all US land by wildfire risk using fuel loads, weather patterns, and ignition probability.
Historical fire density (0–3 points): Weighted count of recorded wildfires within 25 miles over the past 20 years from the USFS Fire Occurrence Database.
Terrain and WUI factors (0–3 points): Wildland-Urban Interface (WUI) proximity, elevation, aspect, and slope — areas at the edge of undeveloped wildland are at highest risk.

Nearby Zip Codes in Carson City Area

89401 Carson City Area, NV 🔴 VERY HIGH Score: 8.7/10 89404 Carson City Area, NV 🔴 VERY HIGH Score: 8.7/10 89407 Carson City Area, NV 🔴 VERY HIGH Score: 8.1/10 89410 Carson City Area, NV 🔴 VERY HIGH Score: 8.8/10 89413 Carson City Area, NV 🔴 VERY HIGH Score: 8.8/10

Protect Your Home in 89431

Get quotes from wildfire-specialized insurers and compare coverage options.

Compare Wildfire Insurance for 89431