CA/OR Wildfire Disclosure Law and the CA FAIR Plan

The only two states with a wildfire disclosure mandate

California and Oregon are, as of this writing, the only two US states that legally require a wildfire-hazard disclosure at the point of a home sale. California's requirement runs through AB 38 and the state's Natural Hazard Disclosure Statement; Oregon's runs through its own statewide wildfire hazard map and a parallel seller-disclosure rule. Neither law is about insurance directly — both are about a buyer knowing, before closing, what a place's wildfire exposure actually is.

California's insurer of last resort is growing fast

The California FAIR Plan — the state-mandated insurer for properties standard carriers won't write — ended 2025 with 668,609 residential policies, after adding 21,859 in the fourth quarter alone. California's surplus-lines homeowners market, the private-market alternative for the same hard-to-place properties, passed 300,000 policies for the first time in the same year. Both trends are driven by the same thing: standard insurers withdrawing from the state's highest wildfire-risk areas, not a change in what any one property is worth.

What this means for shopping coverage

Neither the FAIR Plan nor a surplus-lines carrier runs a public affiliate or referral program — they aren't something this site can link you to directly. What a standard homeowners quote comparison can tell you is whether a property still qualifies for conventional coverage at all, which is worth checking before assuming FAIR Plan or surplus lines are the only options.

Anza, CA is the highest-risk California community this site covers; Mount Hood, OR is the highest-risk Oregon one.

Where to go next

See the range this plays out across: Anza, CA, Sunshine, NM, Haviland, OH.

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