HydroIQ — Your Free San Francisco Bay Area Wildfire Assistant
Instant answers about your fire zone, defensible space rules, insurance laws, and local resources. Free for any homeowner across all 9 San Francisco Bay Area counties. No login required.
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What Can You Ask HydroIQ?
Community Risk Assessments
Get your community's CAL FIRE hazard zone classification, fire history, and specific risk factors. Jurisdictional-level data for communities across all nine Bay Area counties.
Defensible Space Rules
Learn the specific vegetation management and defensible space requirements for your community, including local ordinances, state AB 3074 compliance, and the 2026 CWUIC changes.
Insurance & FAIR Plan Guidance
Understand your options when private insurers non-renew. Get FAIR Plan data, SB 429 wildfire risk model details, Safer from Wildfires discounts, and mitigation steps that may help you regain coverage.
Local Fire History
Review documented wildfires across the Bay Area, including the CZU Lightning Complex, Tubbs Fire, Atlas Fire, 1991 Oakland Hills firestorm, and more.
Wildfire Defense Systems
Learn how automated exterior sprinkler systems work, what they cost, and how they compare to other wildfire protection methods.
FireSafe Council Programs
Find out about free chipping services, Home Ignition Zone inspections, AB 888 grants, rebate programs, and vegetation management assistance in your county.
Popular Questions
Coverage Across All 9 San Francisco Bay Area Counties
HydroIQ's knowledge base covers the entire San Francisco Bay Area — Santa Clara, San Mateo, Alameda, Contra Costa, Santa Cruz, Marin, Sonoma, Napa, and Solano counties. Ask about your specific city, neighborhood, or fire hazard zone and get answers sourced from CAL FIRE FHSZ maps, OSFM LRA remapping data, local fire safe councils, Cal OES grant programs, and California Department of Insurance regulations.
What Does California's New Wildfire Insurance Law Mean for You?
California's SB 429, signed into law in October 2025 and effective January 1, 2026, creates the nation's first public wildfire catastrophe model. For the first time, homeowners will have access to the same type of fire risk modeling data that insurance companies use to set rates and make non-renewal decisions. Ask HydroIQ what SB 429 means for your property, your fire zone, and your insurance options.
Learn more at insurance.ca.govBuilt on Verified Public Sources
HydroIQ does not guess. Every answer draws from a structured knowledge base built on verified public sources: CAL FIRE, Office of State Fire Marshal, Cal OES, California Department of Insurance, CPUC, local fire safe councils across all 9 San Francisco Bay Area counties, NFPA home hardening standards, and IBHS wildfire research. When HydroIQ cannot verify an answer, it says so and directs you to the source directly.
- CAL FIRE Fire Hazard Severity Zone Maps (2024-2025 updates)
- County FireSafe Council program databases (all nine Bay Area counties)
- Municipal fire codes and local ordinances
- California FAIR Plan Association guidelines
- California Department of Insurance (CDI) regulations and SB 429 data
- CPUC, OSFM, and California Wildfire Task Force resources
- Historical wildfire incident records
- IBHS, NIST, and NFPA fire science research
HydroIQ is a free public resource. It is designed to answer wildfire questions for any homeowner in the San Francisco Bay Area regardless of whether they are a FireRoofs client or prospect. Answers about fire zones, defensible space, insurance, and local regulations are provided without any product recommendation. FireRoofs installation information is available separately at fireroofs.com.
Ask About Your Community's Wildfire Risk
HydroIQ is free and available 24/7. No login, no cost. Get answers about California wildfire law, insurance, defensible space, and the science behind why homes burn.