What is the wildfire risk in zip code 90401?

Zip code 90401 (Santa Monica, CA) has a WildfireRiskScore of 9.8 out of 10, classified as VERY HIGH risk. This is based on USFS Fireshed Registry data, historical fire occurrence, and wildland-urban interface factors.

How many wildfires have occurred near 90401?

In the last 20 years, there have been 19 recorded wildfires within 25 miles of 90401, burning approximately 9K acres. Within 10 miles, 0 fires have occurred. The most recent fire was recorded in 2017.

Will homeowners insurance be affected by wildfire risk in 90401?

Yes — zip code 90401 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 91% higher than average.

Wildfire Risk in Zip Code 90401

Santa Monica, California

🔴 VERY HIGH RISK 9.8/10

19 Fires within 25mi (20yr)

9K Acres Burned (25mi)

2017 Last Fire Year

Historical Fires Near 90401 (Last 20 Years)

Radius	Fire Count	Acres Burned
Within 10 miles	0	0
Within 25 miles	19	8,824
Within 50 miles	42	—

Most recent fire recorded within 25 miles: 2017

USFS Fireshed Classification

Fireshed Region Pacific Southwest

Nearest National Forest / Fireshed CALFIRE Zone

WildfireRiskScore 9.8 / 10

CalFire FHSZ Zone Moderate Fire Hazard Severity Zone

Insurance Impact for 90401

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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 90401. 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: +91%

Wildfire Insurance Options

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

Defensible Space Recommendations for VERY 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 90401 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.

For California zip codes, the CalFire Fire Hazard Severity Zone (FHSZ) designation is also shown. The FHSZ is used by California state law to regulate building codes and insurance requirements.

Nearby Zip Codes in Santa Monica

90404 Santa Monica, CA 🔴 VERY HIGH Score: 8.3/10 90407 Santa Monica, CA 🔴 VERY HIGH Score: 9.9/10 90410 Santa Monica, CA 🔴 VERY HIGH Score: 10/10 90413 Santa Monica, CA 🔴 VERY HIGH Score: 9.3/10 90416 Santa Monica, CA 🔴 VERY HIGH Score: 9.1/10

Protect Your Home in 90401

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

Compare Wildfire Insurance for 90401