Lake Tahoe Home Buyer’s Tips: Insurance and FireLine Scores

homes for sale in south lake tahoeWhen buying a home in Lake Tahoe, you need to know that there is a high probability of not getting traditional house insurance.  Companies insuring homes in the area look at the FireLine score to determine if a home can be insured or not. Well what is a FireLine score? We’re glad you asked.




FireLine Scores

The ISO (Insurance Services Office) looks at three things at a property in order to determine a FireLine score:

  1. Is fuel or brush within 1/4 mile of a home?
  2. What is the ability to access the property?
  3. What is the slope the home is built on?

Scores are given to each category and a property ends up with a score between 0 – 30.  The higher the score, the higher probability a home has for being lost in a wildfire.  Lake Tahoe is considered a high fire risk area so these scores are used when issuing insurance policies.

We’ve seen an insurance company start to turn down clients that have scores above a 3!

Home Insurance

If you have a higher FireLine score you’ll still be able to find insurance, it just may not be through the traditional companies and it will cost you more money.

Lake Tahoe is a beautiful place to own a home.  There will always be a fire risk though, because of the forests surrounding the community. It’s part of life in the mountains.  If you have any questions about where to buy a home in Lake Tahoe, contact us!

  Keep up to date on Tahoe Real Estate

  1. Sign up for an email notification so you’ll know the minute Tahoe properties are listed.
  2. Call us directly at 530-541-2465 and we’ll go over all your options.
  3. Search all homes for sale around the lake. Our website makes it easy to search for homes that match your criteria.
  4. Get a FREE custom market evaluation for your home.
Skip to content