Wildfire Defense Calculator
What's the Real Cost of Doing Nothing?
Answer three questions about your home. We'll show you the math on wildfire risk — and what it takes for defense to pay for itself.
1
Insurance Premium
What do you pay for wildfire insurance each year?
Your annual premium. An estimate is fine.
2
Home Size
How large is your home?
Approximate square footage of your home's livable area. This determines how many defense systems your property needs.
3
Home Value
What would it cost to rebuild your home?
Not the market price — the estimated cost to rebuild the structure if it were destroyed. Be sure to include furniture, personal property, and landscaping in your estimate.
4
Risk Assessment
What are the odds a wildfire damages your home this year?
Your gut feeling. Most homeowners in high-risk California zones estimate somewhere between 1% and 10%.
5
Location
What's your zip code?
So we can check your area's fire hazard severity zone and tailor your results.
Your Results
The Numbers Don't Lie
Here's what your risk looks like in dollar terms, and what it takes for a defense system to be worth it.
Your Weighted Annual Risk
—
Expected loss from wildfire per year
Matador Fire Defense System
$1,800
Annual cost of protection
The Breakeven
—
That's all the system needs to work to pay for itself. Below that threshold, every dollar of effectiveness is pure value.
—
How Does Your Risk Compare?
Average 5-Year Wildfire Risk by Hazard Zone
CAL FIRE classifies properties into hazard zones based on vegetation, terrain, weather patterns, and proximity to wildlands. Here's how your estimate compares.
| Zone Severity | 5-Year Cumulative Risk | 30-Year Cumulative Risk |
|---|---|---|
| Moderate | 0.5% – 2.0% | 3.0% – 11.3% |
| High | 2.5% – 4.4% | 14.0% – 23.8% |
| Very High (Extreme) | 4.9% – 16.3% | 26.0% – 65.7% |
Source: CAL FIRE OSFM Fire Hazard Severity Zone (FHSZ), 2025
The Retardant
How the System Performs
100%
Percent of the 432 homes treated with our retardant in the 2025 California fire season that survived.
Essentially Non-Toxic
EPA Toxicity Category IV — the lowest level. Safe for people, pets, and plants (as toxic as lemonade).
Full Season
Not a gel that dries out. Remains active on treated surfaces until exposed to 3 inches of cumulative rainfall.
Cal Fire Rated
Passed California State Fire Marshal Title 19, Sec. 1264.3 — the standard for flame-retardant chemicals.
Cal Fire Title 19 Certified
EPA Category IV
Health Canada Verified
Non-Corrosive
Free Assessment
Get Your Wildfire Defense Plan
A Matador Fire specialist will walk your property, identify vulnerabilities, and build a plan that fits your home and budget. No pressure, no obligation.
We'll reach out within 24 hours. No spam, no hard sell.
We've Got Your Details
A Matador Fire specialist will be in touch within 24 hours to schedule your free on-site assessment.