What is the wildfire risk in zip code 92422?

Zip code 92422 (San Bernardino City, CA) has a WildfireRiskScore of 7.6 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 92422?

In the last 20 years, there have been 17 recorded wildfires within 25 miles of 92422, burning approximately 33K acres. Within 10 miles, 1 fires have occurred. The most recent fire was recorded in 2015.

Will homeowners insurance be affected by wildfire risk in 92422?

Yes — zip code 92422 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 67% higher than average.

Wildfire Risk in Zip Code 92422

San Bernardino City, California

🟠 HIGH RISK 7.6/10

17 Fires within 25mi (20yr)

33K Acres Burned (25mi)

2015 Last Fire Year

Historical Fires Near 92422 (Last 20 Years)

Radius	Fire Count	Acres Burned
Within 10 miles	1	1,841
Within 25 miles	17	32,726
Within 50 miles	39	—

Most recent fire recorded within 25 miles: 2015

USFS Fireshed Classification

Fireshed Region Pacific Southwest

Nearest National Forest / Fireshed CALFIRE Zone

WildfireRiskScore 7.6 / 10

CalFire FHSZ Zone Moderate Fire Hazard Severity Zone

Insurance Impact for 92422

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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 92422. 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: +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 92422 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 Bernardino City

92401 San Bernardino City, CA 🔴 VERY HIGH Score: 8/10 92404 San Bernardino City, CA 🟠 HIGH Score: 7.6/10 92407 San Bernardino City, CA 🔴 VERY HIGH Score: 9.2/10 92410 San Bernardino City, CA 🔴 VERY HIGH Score: 9.2/10 92413 San Bernardino City, CA 🔴 VERY HIGH Score: 8.4/10

Protect Your Home in 92422

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Compare Wildfire Insurance for 92422