What is the wildfire risk in zip code 92185?

Zip code 92185 (San Diego, CA) has a WildfireRiskScore of 6.8 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 92185?

In the last 20 years, there have been 20 recorded wildfires within 25 miles of 92185, burning approximately 46K acres. Within 10 miles, 1 fires have occurred. The most recent fire was recorded in 2008.

Will homeowners insurance be affected by wildfire risk in 92185?

Standard homeowners insurance is generally available in 92185. Wildfire risk may increase premiums by an estimated 67% compared to low-risk areas.

Wildfire Risk in Zip Code 92185

San Diego, California

🟠 HIGH RISK 6.8/10

20 Fires within 25mi (20yr)

46K Acres Burned (25mi)

2008 Last Fire Year

Historical Fires Near 92185 (Last 20 Years)

Radius	Fire Count	Acres Burned
Within 10 miles	1	4,903
Within 25 miles	20	46,307
Within 50 miles	75	—

Most recent fire recorded within 25 miles: 2008

USFS Fireshed Classification

Fireshed Region Pacific Southwest

Nearest National Forest / Fireshed CALFIRE Zone

WildfireRiskScore 6.8 / 10

CalFire FHSZ Zone High Fire Hazard Severity Zone

Insurance Impact for 92185

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Standard Coverage Available

Standard homeowners insurance is generally available in 92185. Wildfire risk factors may affect premiums and specific wildfire coverage terms.

Estimated wildfire-driven premium increase vs. low-risk areas: +67%

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 92185 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 San Diego

92001 San Diego, CA 🔴 VERY HIGH Score: 9.1/10 92004 San Diego, CA 🟠 HIGH Score: 7.5/10 92007 San Diego, CA 🔴 VERY HIGH Score: 8.3/10 92010 San Diego, CA 🔴 VERY HIGH Score: 9.9/10 92013 San Diego, CA 🔴 VERY HIGH Score: 9.5/10

Protect Your Home in 92185

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

Compare Wildfire Insurance for 92185