Paste any Calaveras, Amador or Tuolumne address. We pull the Cal Fire severity zone, the FAIR Plan likelihood, the defensible-space requirement, and what comparable homes are actually paying for coverage — so the most important number in your buying decision isn't a surprise.
This parcel sits in a High severity zone under the 2024 California Fire Hazard Severity Zone map. The classification is driven by vegetation type (mixed oak woodland), slope (8–15%), and fire weather frequency (avg. 14 red-flag days/year).
"High is not Very High. Most carriers will still write you, the premium will be elevated but workable, and a documented mitigation plan brings it down further. This is the most common classification in Murphys proper — completely manageable."
Most of the property is already compliant. The wooden deck within 5 ft is the only structural item. The oak limbs and ladder fuels are typical seasonal maintenance for any property at this elevation. None of this is dealbreaking — it's a normal part of foothills ownership.
| Address | Zone | Sqft | Sold | Premium found | Carrier | Days · close |
|---|---|---|---|---|---|---|
| 217 Algiers St · Murphys | High | 2,640 | $1,220,000 | $4,840 / yr | ACSC · admitted | 34 d |
| 2110 Big Trees Rd · Murphys | High | 3,120 | $1,485,000 | $5,720 / yr | Markel · E&S | 52 d |
| 805 Pennsylvania Gulch · Murphys | High | 2,420 | $985,000 | $5,160 / yr | FAIR + DIC | 41 d |
| 4242 Blue Lake Springs · Arnold | Mod | 2,840 | $895,000 | $2,890 / yr | Mercury · admitted | 22 d |
| 118 Ridgeway Dr · Murphys | VHigh | 2,980 | $1,310,000 | $8,640 / yr | Lloyd's · E&S | 78 d |
No proprietary scoring. No marketing magic. Everything here is sourced, dated, and updated on a known cadence — so you can decide how much weight to give it.
The Fire Hazard Severity Zone classification comes straight from the 2024 update of the California State Responsibility Area maps. Updated whenever Cal Fire updates them — typically every 5 years.
Sourced from anonymized policies tied to recent comparable sales in our book and three partner brokerages. We update the median every quarter. Your actual quote will vary based on credit, claims history, and bundling.
Pulled from the current PRC 4291 / SB 38 statutory requirements plus the Safer From Wildfires regulator framework. Items flagged from a high-altitude review of the parcel — a real inspection may surface more.
This is decision-support, not a binder. Get a real underwriting quote before you close. Sara can introduce you to two independent brokers who actually write foothills risk — she has no financial relationship with either.