WARNING: Why October’s fire insurance changes could cost you more than your 3% rate.

Do you live in a high fire severity zone?

California’s new fire maps are quietly splitting the market. In neighborhoods that are officially tagged as High / Very High Fire Hazard, homes are already selling 4–5% cheaper than similar properties just outside those lines and the real penalty is often higher once you factor in insurance, lender pull back, and longer days on market.

On top of that, when someone in those zones has to sell (divorce, job move, health issue, etc.), they usually take a discount to get out. That discounted sale becomes a comp, and now the next seller is 10% under true market value and watching their equity evaporate because the neighborhood is priced off stress sales, not normal ones.

Now layer in October 2026 FAIR Plan rate hike (average 29%+, with some high‑risk ZIP codes seeing 30–50% or more premium jumps), and owning or selling in those zones gets more expensive while buyers get pickier.

Net effect: homes in mapped fire risk areas sell for less and sit longer, while similar homes in safer pockets keep moving and hold value. That’s why I’m focused on getting clients out of those high risk lines before the insurance increase hits, and repositioning them into neighborhoods that aren’t carrying that pricing penalty.

Step one: Reach out to me. Reply to this email or text me your address, and I’ll tell you if your home is in a high fire zone or right on the edge and what that’s doing to your value today and down the road. 


Information in this email is provided by Shane Boukorras, a licensed real estate salesperson (CA DRE Lic. #02066136) with Real Broker, LLC (CA DRE Lic. #02022092), for general marketing and educational purposes only. All property information, figures, and projections are approximate, based on sources believed reliable, but are not guaranteed and may change without notice. Recipients must independently verify all facts, measurements, conditions, and suitability of any property or strategy before making decisions. Nothing in this email constitutes, and should not be relied on as, legal, tax, financial-planning, or investment advice. You should consult your own attorney, CPA, and other licensed professionals regarding your specific situation. This email and any attachments are intended only for the named recipient and may contain confidential or privileged information. If you are not the intended recipient, please notify the sender, do not use or disclose this information, and delete this message. Any unauthorized review, use, disclosure, or distribution is prohibited. Equal Housing Opportunity.