There has been a lot of discussion recently about the outrageous cost of fire insurance, and how the FHSZ has been expanded to include major portions of regular suburban towns like Carlsbad.

The buyer of our Circulo Sequoia listing will be forced to pay a premium for fire insurance now, even though the house is in the middle of the tract and doesn’t back to open space – just because the FHSZ box is checked ‘yes’ (above).

Hat tip to ‘just some guy’ for noting that Zillow now has climate-risk factors on some of their for-sale listings. Here is their report on my current listing in Carlsbad:

If the chances are between zero and 2.2% over the next 30 years, wouldn’t you think the insurance industry could find a way to take a little less? (new premiums are roughly double what they were).

The 41 large wildfires within 20 miles since 1984? I’d like to dispute that number (maybe 10?) and fires that are 20 miles away shouldn’t matter to a suburban tract house owner and their insurance company!

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