Climate change has made wildfire risk a major concern for homeowners across the western US. I pulled data from the US Forest Service and NIFC to build a risk lookup tool for every zip code in America. Using USFS Wildfire Risk to Potential Structures data: California dominates the high-risk list, but it's not alone: Parts of Colorado (particularly the Front Range foothills) Oregon and Washington (especially the eastern slopes) Montana and Idaho (wildland-urban interface areas) Arizona (Prescott, Flagstaff areas) Texas (central hill country) Wildfire risk directly affects: Home insurance premiums — some areas have seen 200-400% increases Property values — high-risk areas are starting to see price adjustments Insurability — some carriers are dropping coverage entirely in extreme-risk zones Mitigation requirements — defensible space rules, fire-resistant materials The tool I built combines: USFS fireshed assessments — risk scores based on vegetation, terrain, and fire history Historical fire data — from NIFC incident records Community risk ratings — composite scores accounting for exposure and vulnerability Each zip code page shows the risk level, contributing factors, nearby area comparisons, and what the score means for insurance. Free at wildfire-risk.pages.dev — enter any US zip code to see the wildfire risk assessment. Data from USFS and NIFC. Built with Astro and Cloudflare Pages as part of a series of free tools from government data. Risk data from USFS Wildfire Risk to Potential Structures assessments. For official guidance, consult your local fire department and insurance provider.