Where Can I Get Homeowners Insurance If I Live In A High Risk Brush Fire Area? 
Living in a higher risk area , either an elevated fire risk zone as you asked about , a coastal area subject to floods and hurricanes or an area that can be subject to tornadic activity each have their own challenges with regard to property insurance . Insurance companies may not offer coverage or they may charge a higher premium to reflect the increased risk they are assuming . Talk to your Insurance Professional about your particular situation . If standard coverage just is not available , most states manage a high risk `` pool '' of coverage that may be there to meet your needs . 