When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.
One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…
I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.
This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious.
