High fire scores are one of the top reasons California homeowners are losing coverage or being pushed to the FAIR Plan . Fire scores measure wildfire risk based on location, brush, access to fire services, and defensible space. The higher the score, the fewer insurance options you’ll have. What you can do: Clear brush and debris near your home Create defensible space Document improvements with photos Check your property severity zone on the Fire Hazard Severity Zones | OSFM