23825 Stuart Ranch Road

This location is in a Very High Fire Hazard Severity Zone in the Local Responsibility Area.

What this means for you

• Defensible space. State law requires up to 100 feet of defensible space around buildings here. The closest 5 feet, the ember-resistant zone, carries the strictest rules as they are phased in.
• Building standards. New buildings and major additions must meet the ignition-resistant construction standards of California Building Code Chapter 7A, which cover roofs, vents, siding, windows and decks.
• Selling. A seller must disclose the zone to a buyer. For an older home in a High or Very High zone, the seller may also have to provide documentation of defensible space.
• Insurance. Insurers use their own wildfire models, so the zone is not an insurance decision. Hardening a home and keeping defensible space can qualify for discounts under California's Safer from Wildfires program. See home insurance for this ZIP code below.

This is the zone CAL FIRE recommended for this area in 2025. In the Local Responsibility Area, the zone that applies is the one your city or county adopts by ordinance. It can add areas or raise a class, but it cannot lower one. Near a zone boundary, this report reads the full-detail zone shapes and is more precise than the map colors. For a permit, a sale or an insurance question, confirm the zone with your city or county. See the methodology.

This location is in the Extreme part of the High Fire-Threat District, where the California Public Utilities Commission rates the risk of a wildfire started by power lines as the highest and holds utilities to stricter rules.

What this means for you

• Power shutoffs. In dry, windy weather, utilities may turn off power to lines in the district so they cannot start a fire. Sign up for your utility's outage alerts, and if you rely on powered medical equipment, ask it about its medical baseline program.
• Utility work. Utilities must inspect lines here more often, fix problems sooner and keep trees and brush farther from the wires, so expect tree trimming and line work near you.
• Your own property. The district sets rules for utilities, not for homeowners. Defensible space, building standards and disclosure to a buyer follow the fire hazard severity zone above.

The Commission drew this map to set utility fire-safety rules and makes no warranty for any other use. For a question about shutoffs or line work, ask your utility.

This location is inside the burned area of the 1970 Wright Fire, which burned 28,202 acres. It has burned 2 times in all, listed below.

Every fire that burned here

CAL FIRE's fire history is most complete for recent, larger fires, and some older or smaller ones may be missing. A fire perimeter can include unburned patches inside it, and a place with no recorded fire can still burn.

In 2023, homeowners policies from regular insurers in ZIP 90265 cost an average of $8,217 a year, 4.9 times the California average of $1,674. Homes here were insured for $2,055,101 on average, so the premium came to $4.00 for every $1,000 of coverage, against $2.78 statewide.

What this means for you

• Your premium will differ. It depends on your home, its coverage and deductible, your claims, and the wildfire score your insurer gives your address, which can differ from the fire hazard zone above.
• Ask for your score. An insurer that uses a wildfire model must give you your score when you apply, before a renewal or non-renewal, and after you complete mitigation work, with what drove it and how much each mitigation step would save. You can appeal it to the insurer.
• Discounts. Under California's Safer from Wildfires program, insurers must offer discounts for a hardened home and defensible space.
• If you cannot find coverage. The California FAIR Plan insures homes that regular insurers will not, and the Department of Insurance consumer hotline, 800-927-4357, can help.

These are averages for the whole ZIP code from insurers with at least $10 million in California premium. They leave out the FAIR Plan and surplus lines insurers and are not a quote. The most recent year is revised in the Department's next report. See the methodology.