When defending your home against wildfires, no area is more critical than the first 5 feet: Zone 0. This zone is where embers land, where flammable materials accumulate, and where ignition often begins. But the good news is that you don’t need to undertake a complete rebuild to make meaningful changes—you just need to choose the right fire-resistant materials.

As wildfires become more frequent and severe across California, homeowners are learning that their insurance coverage may not offer the protection they once assumed. Insurance isn’t just a formality anymore—it’s a battleground between risk, rising costs, and even the ability to get coverage at all.