Where each figure comes from.

California wildfire structures destroyed, all fires, 2016 to 2025, annual totals summed.

CAL FIRE Wildfire Activity Statistics, the annual Redbook · Verified 2026-07-20

The named wildfires in the cover’s ticker, each at or above 1,000 structures destroyed.

CAL FIRE Top 20 Most Destructive Wildfires · Verified 2026-07-20

Camp Fire homes built to the 2008 wildfire code that stood undamaged, against older homes.

McClatchy / Sacramento Bee analysis of CAL FIRE data, 2019 · Verified 2026-07-20

Worded as “undamaged,” following Knapp et al., 2021; the comparison does not show that the code caused the difference.

Share of California homes built before the 2008 wildland-urban interface building code.

U.S. Census Bureau, American Community Survey · Verified 2026-07-20

The ACS groups homes by decade built, so the pre-2008 share is interpolated within the 2000s group.

Pre-code housing share inside the Palisades and Eaton fire footprints.

Heatmap News analysis of building-permit data, 2025 · Verified 2026-07-20

California homes in the state’s highest-risk wildfire areas.

The initiative’s own working estimate, 2026 · The initiative’s estimate

For context: CDI weighted-risk dwelling counts (about 1.3M, 2015 DOF data) and the state’s 2019 Strike Force count of 4.5M WUI homes.

Estimated damage and economic loss from the January 2025 Los Angeles fires.

AccuWeather estimate, 2025 · Verified 2026-07-20

Growth since 2022 in policies held by the California FAIR Plan, the insurer of last resort.

California FAIR Plan, Key Statistics and Data · Verified 2026-07-20

The Plan reports a 152% increase since 2022. Corroborated by the CA Department of Insurance’s own FAIR Plan fact sheet.

The FAIR Plan assessment on insurers that the 2025 fires triggered.

California FAIR Plan / CA Department of Insurance, 2025 · Verified 2026-07-20

Homes avoiding damage in the 2025 fires with all four hardening measures, against just one.

IBHS 2025 LA Conflagrations report, 252 structures · Verified 2026-07-20

Reduction in structure losses from clearing Zone 0 (the first 5 feet around a home) alone.

UC Berkeley, Nature Communications, 2025 · Verified 2026-07-20

Target cost of the standard hardening retrofit; used throughout the site.

The initiative’s own working figure

It is the cost the blueprint assumes for the standard retrofit.

Solar rooftops installed in California to date; the Million Solar Roofs Initiative set a goal of 1 million.

California Million Solar Roofs Initiative records · Verified 2026-07-20

California regulation requiring insurers who price wildfire risk to also credit mitigation.

CA Dept. of Insurance, Safer from Wildfires, 2022 · Verified 2026-07-20

Benefit returned for every $1 spent on wildfire and WUI new-construction code compliance.

National Institute of Building Sciences, Natural Hazard Mitigation Saves, 2019 · Verified 2026-07-20

Jobs supported by a single state’s wildfire prevention program, Washington’s HB 1168.

Greenline Insights, 2026 · Verified 2026-07-20

Value of housing and critical infrastructure de-risked by mitigation investment.

U.S. Forest Service, Wildfire Crisis Strategy · Verified 2026-07-20

Checked against the Forest Service figure. Greenline Insights reports a different figure and is not cited for this one.

The California Wildfire Resilience Loan Program is law: SB 894 (Allen) establishes it at CAEATFA, administered upon appropriation by the Legislature, with no lien and no limit by hazard zone, effective January 1, 2027.

Governor’s Office, signing announcement, September 29, 2026 and SB 894 (Allen), Chapter 770, Statutes of 2026, chaptered text, California Legislative Information · Verified 2026-10-07

Nothing has been appropriated. The statute sets no interest rate, loan term, or consumer name; the loan page’s rate, term and payment figures are the initiative’s illustration.

The GoGreen Financing program’s track record, the model the initiative proposes for the loan program.

CAEATFA GoGreen Financing, Monthly Data Summary, 2026 · Verified 2026-07-20

Hardening-grant programs in two other states, funded in part by insurance-department fees.

Strengthen Alabama Homes, since 2015 and Louisiana Fortify Homes Program, created 2022 · Verified 2026-07-20

The initiative’s proposed rate and term, next to comparison terms. SB 894 sets neither.

The initiative’s proposed terms, an estimate and SB 894, enrolled text (no rate or term appears in the statute) · Verified 2026-10-07

The initiative’s proposed terms, labeled on the calculator as proposed and not set in statute.

The FAIR Plan’s wildfire-mitigation discount, and the calculator’s premium-band basis.

CA FAIR Plan mitigation discount schedule, effective Nov 2025 · Verified 2026-07-20

The Plan’s published maximum is 16.4% off the wildfire portion of a Dwelling Fire premium, for a home that qualifies for all 12 mitigation discounts. The calculator applies it to the whole premium. The $4,500–8,000 premium band is the calculator’s own estimate, labeled as such.

The aerial photograph of Los Angeles after the January 2025 fires, on the cover.

Sgt. Chau Le, California National Guard, DVIDS image 8842153, Jan 15 2025 · Verified 2026-07-20

Public domain; courtesy credit on the page.

The wildfire’s-edge figure in the problem section, captioned as an illustration.

Created for the initiative, AI-assisted, 2026 · Verified 2026-07-20

Owned; credited as an illustration where it appears.

The neighborhood illustration on the initiative page, also the loan page’s cover image.

Created for the initiative, AI-assisted, 2026 · Verified 2026-07-20

Owned; credited as an illustration everywhere it appears.