
Property Fire Assessment & Wildfire Risk Evaluation
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Overview
What Is a Property Fire Assessment?
Last updated: May 8, 2026
Regulatory information on this page is provided for general guidance and may not reflect the most current requirements. Always verify specific deadlines, fees, and compliance procedures with CAL FIRE (fire.ca.gov), San Bernardino County Fire Protection District, or your local fire authority before making compliance decisions.
"Property fire assessment" can mean different things depending on the situation. The same phrase covers a free contractor walkthrough, a written insurance-compliant evaluation, and the formal AB 38 defensible space inspection required when selling a home in a designated fire hazard zone.
Each type involves different professionals, different documentation, and different costs. This page covers all three so you can identify which one applies to your situation — most homeowners actually need a contractor walkthrough, not a formal regulatory inspection.
Sources: California Civil Code §1102.19 (AB 38) · CAL FIRE — Defensible Space (PRC 4291)
Triggers
When do you need a property fire assessment?
A licensed defensible space contractor walks your property to identify compliance gaps and provide an estimate.
- When
- Pre-emptive compliance, after a notice, planning maintenance, or before insurance documentation.
- Provided by
- Vetted licensed contractors in our network.
- Cost
- Typically free as part of the estimate process.
- Documentation
- Written estimate identifying required work; some contractors provide additional documentation suitable for insurance carriers.
- How to get one
- Submit the form on this page or call.
A written evaluation designed to satisfy insurance carrier documentation requirements.
- When
- Your carrier requests a formal assessment for renewal or coverage maintenance.
- Provided by
- Defensible space contractors with appropriate certification, NFPA Certified Wildfire Mitigation Specialists (CWMS), or independent fire consultants.
- Cost
- Industry ranges typically run from a low flat fee up to several hundred dollars depending on property size and documentation depth.
- Documentation
- Written report with photos, compliance status, and recommendations.
- How to get one
- Submit the form below — we'll connect you with vetted contractors who can provide carrier-acceptable documentation.
Official compliance inspection required by **California Civil Code Section 1102.19 (AB 38)** when selling property in High or Very High Fire Hazard Severity Zones.
- When
- Selling a home in a designated High or Very High Fire Hazard Severity Zone.
- Provided by
- CAL FIRE (in State Responsibility Areas), San Bernardino County Fire Protection District, or local fire agencies — not private contractors.
- Cost
- Typically free or a nominal fee from the local fire authority.
- Documentation
- Official inspection report meeting AB 38 statutory requirements.
- How to get one
- Contact CAL FIRE at fire.ca.gov/programs/communications/defensible-space-prc-4291/ or your local fire authority. We don't perform AB 38 inspections, but we can connect you with contractors to address any issues identified.
Scope
What's included in a property fire assessment?
- Property walk-through with the contractor
- Identification of vegetation requiring clearing per PRC 4291
- Assessment of defensible space zones (Zone 0, 1, 2)
- Tree limbing and dead vegetation evaluation
- Combustible debris and hazardous fuel identification
- Written estimate detailing required work and approximate cost
- Discussion of compliance timeline and any active notices
Decision Guide
Which Type Do You Need?
Most situations map cleanly to one of the three. Use this quick guide — and if you're not sure, submit the form and we'll help identify the right path.
- “I want to know what work my property needs”Type 1: Contractor walkthrough
- “I got a CAL FIRE notice and need help passing reinspection”Type 1: Contractor walkthrough → mitigation work
- “My insurance carrier is requesting documentation”Type 2: Insurance-compliant evaluation
- “I'm selling my home in a fire hazard zone”Type 3: AB 38 inspection from CAL FIRE or local fire authority
- “I want a comprehensive property fire risk assessment”Type 2: Insurance-compliant evaluation
- “I'm not sure which I need”Submit the form — we'll help identify the right path
Pricing
How much does a property fire assessment cost in San Bernardino County?
Contractor walkthroughs (Type 1) are typically free as part of the estimate process. Insurance-compliant written evaluations (Type 2) may carry a flat fee, generally in the lower hundreds, often applied toward subsequent work if you hire the contractor. AB 38 inspections (Type 3) from CAL FIRE or your local fire authority are typically free or nominal cost.
| Assessment Type | Provider | Cost | Use Case |
|---|---|---|---|
| Free Contractor Walkthrough | Vetted defensible space contractors | Free with estimate | Most common — identifies work needed |
| Insurance-Compliant Written Evaluation | Qualified contractors | $200 – $800 flat fee | Insurance documentation |
| AB 38 Real Estate Inspection | CAL FIRE / local fire authority | Free or nominal fee | Property sales in fire zones |
| NFPA CWMS Assessment | Certified specialists | $500 – $2,500 | Comprehensive risk evaluation |
Ranges reflect industry-standard estimates. AB 38 inspections are performed by fire agencies, not private contractors.
Process
How does the a property fire assessment process work?
Call or submit the form. A vetted local contractor reaches out to understand your property, your timeline, and any active notices.
A licensed contractor walks the property, documents compliance gaps against CAL FIRE and County code, and provides a written estimate at no cost.
Crews complete the scoped work — clearing, hardening, hauling — to meet PRC 4291 and San Bernardino County Code 23.0301–23.0319 requirements.
You receive written documentation suitable for CAL FIRE reinspection, County abatement files, and California insurance carrier renewals.
Service Areas
Which San Bernardino County cities do you serve?

Yucaipa, CA
ZIP 92399
[YUCAIPA SHORT BLURB GOES HERE]
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Mentone, CA
ZIP 92359
[MENTONE SHORT BLURB GOES HERE]
View Mentone
Forest Falls, CA
ZIP 92339
[FOREST FALLS SHORT BLURB GOES HERE]
View Forest Falls
Calimesa, CA
ZIP 92320
[CALIMESA SHORT BLURB GOES HERE]
View Calimesa
Highland, CA
ZIP 92346
Foothill neighborhoods at the base of the San Bernardino Mountains — East Highlands Ranch and the Greenspot corridor face direct VHFHSZ exposure.
View Highland
Redlands, CA
ZIP 92373
North Redlands and the Redlands Heights extend into chaparral foothills with Very High Fire Hazard Severity Zone designations.
View Redlands
San Bernardino, CA
ZIP 92407
North foothill neighborhoods — Verdemont, Arrowhead Suburban, and the areas above Highway 30 — concentrated foothill fire risk.
View San Bernardino
Rancho Cucamonga, CA
ZIP 91737
Alta Loma and north Rancho Cucamonga sit at the base of the San Gabriel Mountains in significant Very High Fire Hazard Severity Zones.
View Rancho Cucamonga
Chino Hills, CA
ZIP 91709
Built across rolling chaparral hillsides — much of Chino Hills sits in VHFHSZ with extensive wildland-urban interface.
View Chino HillsFAQ
Property Fire Assessment FAQs
No — formal AB 38 inspections required for real estate sales in High and Very High Fire Hazard Severity Zones must be performed by CAL FIRE or your local fire authority. Visit fire.ca.gov/programs/communications/defensible-space-prc-4291/ to request an AB 38 inspection. After the inspection, if mitigation work is required to pass, we can connect you with vetted contractors to handle that work.
A CAL FIRE inspection is an official regulatory inspection performed by state or local fire officials, typically issuing official compliance documentation. A contractor walkthrough is an on-site evaluation by a licensed defensible space contractor identifying what work is needed and providing an estimate. Most homeowners need the contractor walkthrough first to address compliance gaps, then if needed, request the CAL FIRE inspection separately.
Many insurance carriers accept written documentation from licensed defensible space contractors, particularly when the documentation includes before-and-after photos and references compliance with PRC 4291 standards. Specific requirements vary by carrier. If your insurance carrier has specific documentation requirements, mention them when requesting an assessment so the contractor can provide appropriate documentation.
Most residential property walkthroughs take 30–60 minutes depending on lot size and complexity. Larger properties or those with extensive vegetation may take longer. The walkthrough typically includes property assessment, discussion of required work, and preparation of a detailed estimate.
Yes. Most vetted contractors provide a written estimate detailing the work needed, the property areas requiring attention, and approximate costs. For insurance-compliant evaluations or more comprehensive documentation, contractors can typically provide a more detailed written report — discuss your specific documentation needs when scheduling.
Yes. Contractor walkthroughs are typically provided free of charge as part of the estimate process — there's no obligation to proceed with the work. You're free to use the assessment for your own planning, compare estimates from multiple contractors, or decline the work entirely. Some contractors charge a flat fee for more comprehensive written assessments; this fee may or may not be applied toward subsequent work depending on the contractor.
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