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. Your insurance declaration page will have this number.
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%.
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.
—
The Retardant
How the System Performs
432 / 432
Homes treated with this retardant in the 2025 California fire season survived.
Essentially Non-Toxic
EPA Toxicity Category IV — the lowest level. Safe for people, pets, and plants.
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.