LRA Fire Severity Zone

CAL FIRE’s maps are intended to drive local planning decisions, not insurance decisions. Under Commissioner Lara’s new regulation, Safer From Wildfires, finalized in October 2022, insurance companies must provide discounts for wildfire safety actions such as community mitigation and home-hardening, which CAL FIRE’s maps do not assess. In addition, insurance companies are already using risk analysis tools and models that go beyond CAL FIRE’s proposed maps in determining what properties they will underwrite.

• California Insurance Commissioner Safer From Wildfires Information
• California Consumer Alert - CAL FIRE Hazard Maps Do Not Affect Insurance Rates or Availability

Commissioner Lara’s new wildfire safety regulation will help increase access to insurance by promoting wildfire safety across the state. Reducing wildfire risks throughout the state is the primary way we can make insurance more available and affordable, and our regulation is a major step towards that goal. CAL FIRE’s maps support that goal through improving public education about hazard and the need for safety preparation.

For many years, insurance companies have been using alternate wildfire risk tools for determining where they will write and renew policies, and how much premium to charge a policyholder, not the Fire Hazard Severity Zones maps. Therefore, a change in designation on the maps for a single homeowner is unlikely to affect their insurance. The reality is that more accurate risk information enables homeowners and communities to reduce their wildfire risks, and Commissioner Lara’s new wildfire mitigation regulation clarifies what actions you should take to reduce wildfire risks. Once that regulation is fully implemented, if a homeowner or business owner takes those risk mitigation actions, they will be able to see a discount in their insurance premium

To make a public comment, obtain hard copy maps for viewing, and for further information please contact Anissa Livas, Senior Management Analyst at alivas@sandimasca.gov or 909-394-6215.

Government Code Sec. 51179(b)(1) allows for the City of San Dimas, at its discretion, to include areas not identified as Very High FHSZs, as Very High following a finding supported by substantial evidence in the record that the requirements of Government Code Sec. 51182 (i.e., defensible space) are necessary for effective fire protection within the area.

Further Government Code Sec. 51179(b)(2) allows for the City of San Dimas, at its discretion, include areas not identified as Moderate and High FHSZs, as Moderate and High.

Furthermore, Government Code Sec. 51179(b)(3) directs that the City of San Dimas cannot decrease the level of fire hazard severity zones for any area and may only increase the level.

Pursuant to Government Code Sec. 51179(d) any changes made by the City of San Dimas to the 2025 LRA FHZS maps provided by the State Fire Marshall are final and are not rebuttable by the State.

The State Fire Marshall FHSZ Rollout Plan includes the City of San Dimas in “Phase 4” starting March 24, 2025, which is the date the City received the 2025 LRA FHZS maps that evaluate “hazard,” not “risk” to include areas or zones of Very High, High, and Moderate fire hazard based on consistent statewide criteria and the severity of fire hazard that is expected to prevail in those areas (Government Code Sec. 51178).

“Hazard” is based on the physical conditions that create a likelihood and expected fire behavior over a 30 to 50-year period without considering mitigation measures such as home hardening, recent wildfire, or fuel reduction efforts. “Risk” is the potential damage a fire can do to the area under existing conditions, accounting for any modifications such as fuel reduction projects, defensible space, and ignition resistant building construction.

The zones must be based on fuel loading, slope, fire weather, and other relevant factors including areas where winds have been identified by the State Fire Marshall as a major cause of wildfire spread. These map updates are intended to enhance California’s approach to wildfire preparedness.

LRA areas in San Dimas are those where the “local government” is responsible for wildfire protection, which in the case of San Dimas, is the responsibility of the Los Angeles County Fire Department. The City of San Dimas is located in the Consolidated Fire Protection District of Los Angeles County.

Pursuant to Government Code Sec. 51178.5 within 30 days after receiving a transmittal from the State Fire Marshal that identifies fire hazard severity zones pursuant to Government Code Sec. 51178, the City of San Dimas must make the information available for public review and comment, and the information must be presented in a format that is understandable and accessible to the general public, including, but not limited to, maps.

The City of San Dimas must also post a notice (Government Code Sec. 51179(g)) at the office of the City Clerk identifying the location of the map provided by the State Fire Marshal pursuant to Government Code Sec. 51178.

This website has been established, making the information available for public review and comment.

Pursuant to Government Code Sec. 51179(a), the City of San Dimas must adopt the 2025 LRA Moderate, High, and Very High FHSZs in the city by ordinance, with an associated map, within 120 days of receiving official notice of the maps availability.