New data shows for the first time what a modeling company for many major home insurers thinks of wildfire risk across the Bay Area in 2025.
While state agencies like Cal Fire look at wildfire risk in broad swaths, modelers like Cotality analyze wildfire risk at a granular level to help insurers determine which properties to insure or not.
Nearly 100% of residences along the Sonoma County coast have high wildfire risk, according to the Cotality data, which is from last month. In the 95033 ZIP code covering Los Gatos and part of the Santa Cruz Mountains, there are more than 3,200 homes rated as having high risk. Even within San Francisco, Cotality estimates 238 homes at high risk of burning in a wildfire…