Property Fire Assessment & Wildfire Risk Evaluation
Property Assessments

Property Fire Assessment & Wildfire Risk Evaluation

On-site walkthroughs to identify defensible space gaps, compliance issues, and mitigation priorities. Connect with vetted contractors across San Bernardino County.

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Free On-Site Estimates
Vetted Licensed Contractors
CAL FIRE Compliance Focus
Insurance Inspection Ready
Free On-Site Estimates

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?

Type 1: Contractor On-Site Walkthrough

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.
Type 2: Insurance-Compliant Property Evaluation

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.
Type 3: Formal AB 38 Defensible Space Inspection

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 needsType 1: Contractor walkthrough
  • I got a CAL FIRE notice and need help passing reinspectionType 1: Contractor walkthrough → mitigation work
  • My insurance carrier is requesting documentationType 2: Insurance-compliant evaluation
  • I'm selling my home in a fire hazard zoneType 3: AB 38 inspection from CAL FIRE or local fire authority
  • I want a comprehensive property fire risk assessmentType 2: Insurance-compliant evaluation
  • I'm not sure which I needSubmit 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.

Property fire assessment options
Assessment TypeProviderCostUse Case
Free Contractor WalkthroughVetted defensible space contractorsFree with estimateMost common — identifies work needed
Insurance-Compliant Written EvaluationQualified contractors$200 – $800 flat feeInsurance documentation
AB 38 Real Estate InspectionCAL FIRE / local fire authorityFree or nominal feeProperty sales in fire zones
NFPA CWMS AssessmentCertified specialists$500 – $2,500Comprehensive 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?

1. Free Consultation

Call or submit the form. A vetted local contractor reaches out to understand your property, your timeline, and any active notices.

2. On-Site Assessment

A licensed contractor walks the property, documents compliance gaps against CAL FIRE and County code, and provides a written estimate at no cost.

3. Professional Service

Crews complete the scoped work — clearing, hardening, hauling — to meet PRC 4291 and San Bernardino County Code 23.0301–23.0319 requirements.

4. Compliance Verification

You receive written documentation suitable for CAL FIRE reinspection, County abatement files, and California insurance carrier renewals.

FAQ

Property Fire Assessment FAQs

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