What is the wildfire risk in zip code 90413?

Zip code 90413 (Santa Monica, CA) has a WildfireRiskScore of 9.3 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 90413?

In the last 20 years, there have been 11 recorded wildfires within 25 miles of 90413, burning approximately 33K acres. Within 10 miles, 5 fires have occurred. The most recent fire was recorded in 2006.

Will homeowners insurance be affected by wildfire risk in 90413?

Yes — zip code 90413 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 88% higher than average.

Wildfire Risk in 90413 — Santa Monica, CA

Last updated April 14, 2026 · Source: USFS Wildfire Hazard Potential

Santa Monica, California

🔴 VERY HIGH RISK 9.3/10

11 Fires within 25mi (20yr)

33K Acres Burned (25mi)

2006 Last Fire Year

Historical Fires Near 90413 (Last 20 Years)

Radius	Fire Count	Acres Burned
Within 10 miles	5	22,106
Within 25 miles	11	33,380
Within 50 miles	62	—

Most recent fire recorded within 25 miles: 2006

USFS Fireshed Classification

Fireshed Region Pacific Southwest

Nearest National Forest / Fireshed CALFIRE Zone

WildfireRiskScore 9.3 / 10

CalFire FHSZ Zone Moderate Fire Hazard Severity Zone

Insurance Impact for 90413

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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 90413. 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: +88%

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 90413 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

90401 Santa Monica, CA 🔴 VERY HIGH Score: 9.8/10 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 90416 Santa Monica, CA 🔴 VERY HIGH Score: 9.1/10

Home Hardening & Fire Protection Products

As an Amazon Associate we earn from qualifying purchases.

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Ember-Resistant Vents Protect openings from ember intrusion →

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Fireproof Home Protection Barriers, shields & hardening supplies →

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Defensible Space Tools Brush clearing & vegetation management →

Protect Your Home in 90413

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

Compare Wildfire Insurance for 90413