Is my San Francisco address in a fire hazard zone?
The state fire hazard severity zone maps were revised in 2025. Look up your address on the OSFM map. Dense city blocks are rarely mapped like the East Bay hills, but open-space edges deserve a check.
What counts as a Class A roof?
Class A is the highest fire rating for a roof assembly. The Department of Insurance says most roofs qualify, including asphalt shingles, concrete, brick or masonry tiles, and metal shingles or sheets, while wood shake shingles are not Class A (Safer from Wildfires).
Why choose Class A in the city?
- It's one of the mitigation steps insurers recognize under Safer from Wildfires.
- Row houses share walls, so embers on one roof matter to the next.
- The usual San Francisco choices, shingles on steep fronts and membranes on flat roofs, are available in Class A assemblies; ask the roofer for the listing.
What about flat roofs?
Membrane systems get their fire rating as a tested assembly, so the rating depends on the product and what's under it. Ask for the Class A listing in writing.
Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.
Get a free replacement quoteFrequently asked questions
Is wood shake allowed on a San Francisco reroof?
Check with DBI for your address. Wood shake isn't Class A, so it won't count toward Safer from Wildfires discounts.
Do flat-roof membranes come in Class A?
Many do as tested assemblies. Ask the roofer for the specific listing.
Where is the state fire map?
On the Office of the State Fire Marshal website. Maps were revised in 2025.
Sources
Sources reviewed November 11, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.