{"version":"1.0","type":"stack","id":"090e8e65-370f-48fa-ab21-d28d73610360","url":"https://stacklist.com/c/home/stack/090e8e65-370f-48fa-ab21-d28d73610360","title":"Beach House Insurance and Fire Zones in Ventura County","description":"Homeowners insurance and fire hazard zone due diligence for buyers eyeing a beach house in Ventura, Oxnard or Port Hueneme.","privacy":"public","created_at":"2026-09-02T11:14:26.625Z","updated_at":"2026-09-14T17:34:25.512Z","author":{"username":"jackstevensonreteam-115-user","name":"Unknown","url":"https://stacklist.com/jackstevensonreteam-115-user","type":"person"},"category":{"id":"home","name":"home","url":"https://stacklist.com/c/home"},"items":[{"id":"d5d394b4-fb68-4b1e-a3c6-0474499f1292","position":1,"title":"Fire Hazard Severity Zones – Ventura County Fire Department","url":"https://fire.venturacounty.gov/cal-fire-fire-hazard-severity-zone-map-update/","note":"This webpage provides information about the updated fire hazard severity zone map for Ventura County. It aims to inform residents about areas at risk for wildfires and the associated safety measures.","image":{"url":"https://ucarecdn.com/f093e604-1c86-485a-b881-0599c9bf405b/","alt":"Fire Hazard Severity Zones – Ventura County Fire Department","width":2400,"height":1600},"direct_link":"https://stacklist.com/card/d5d394b4-fb68-4b1e-a3c6-0474499f1292","created_at":"2026-09-02T11:14:39.251Z","updated_at":null,"aco":{"summary":"Ventura County Fire Hazard Severity Zone Map Viewer is a web-based GIS tool intended to display fire hazard zones, but the page returns an access error with a support ID. The content consists solely of a URL rejection message, preventing access to the underlying map data.","tags":["fire-hazard","ventura-county","severity-zones","map-viewer","error-page","gis"],"key_entities":[{"name":"Ventura County","type":"location","confidence":0.95},{"name":"Fire Hazard Severity Zones","type":"concept","confidence":0.9},{"name":"Map Viewer","type":"concept","confidence":0.75},{"name":"URL Rejection Error","type":"concept","confidence":0.7}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-09-02T11:14:48.785Z"},"token_counts":{"approximate":35,"cl100k":46},"content_hash":"sha256:db927de857160fa963d593caa8737c028a21dd76043c860bede24a599c02df23","acp_version":"0.2","body_available":true,"body_tokens":35,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"86154112-5020-4008-bbe2-ee01a37923ee","position":2,"title":"Ventura County Homeowners Insurance in 2026","url":"https://www.latentinsure.com/california-homeowners-insurance/ventura","note":"This page provides insights into homeowners insurance in Ventura County for 2026, including cost ranges for areas like Ojai, Thousand Oaks, and Santa Paula. It covers important topics such as wildfire risk, insurance carriers, the impact of the Thomas Fire, and options like the FAIR Plan and DIC.","image":{"url":"https://ucarecdn.com/cc6aca9e-8c06-4cc9-bb6f-7182c0d0ee15/","alt":"Ventura County Homeowners Insurance in 2026","width":1408,"height":768},"direct_link":"https://stacklist.com/card/86154112-5020-4008-bbe2-ee01a37923ee","created_at":"2026-09-02T11:14:46.085Z","updated_at":null,"aco":{"summary":"Ventura County homeowners insurance in 2026 ranges from roughly $1,600 to $3,200 per year in non-brush coastal and city ZIPs, but jumps to $5,000 to $18,000+ in wildfire-prone areas like Ojai, Santa Paula, and the foothill canyons, often requiring a FAIR Plan plus DIC wrap. The guide covers local wildfire history, carrier withdrawals by State Farm and Allstate, realistic cost ranges by area, FAIR Plan concentration, and how to shop the market.","tags":["homeowners-insurance","ventura-county","wildfire-risk","fair-plan","california","insurance-costs","wildland-urban-interface"],"key_entities":[{"name":"Ventura County","type":"location","confidence":0.99},{"name":"California FAIR Plan","type":"concept","confidence":0.97},{"name":"Difference In Conditions (DIC) wrap","type":"concept","confidence":0.93},{"name":"2017 Thomas Fire","type":"event","confidence":0.97},{"name":"2024 Mountain Fire","type":"event","confidence":0.95},{"name":"State Farm","type":"organization","confidence":0.95},{"name":"Allstate","type":"organization","confidence":0.94},{"name":"Latent Insurance Services","type":"organization","confidence":0.9},{"name":"Ojai","type":"location","confidence":0.92},{"name":"Camarillo","type":"location","confidence":0.9},{"name":"Santa Paula","type":"location","confidence":0.88},{"name":"wildland-urban interface","type":"concept","confidence":0.95},{"name":"2018 Woolsey Fire","type":"event","confidence":0.88}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-09-02T11:14:58.900Z"},"token_counts":{"approximate":5252,"cl100k":4769},"content_hash":"sha256:4e0bb26c0334108742ad8b0d65e06d64229174f5d6dc0272237b2bfa546449d0","acp_version":"0.2","body_available":true,"body_tokens":5252,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"1c92e285-c0c1-46d2-ba69-0205130f9a68","position":3,"title":"Mountain Fire in Ventura County: Home Insurance Insights","url":"https://abc7.com/post/mountain-fire-ventura-county-everything-need-know-home-insurance-wildfire-areas/15524666/","note":"This page provides essential information regarding home insurance policies in wildfire-prone areas of Ventura County, particularly in light of recent cancellations by insurance companies. It also discusses the state's response to these challenges and what homeowners need to know to protect their properties.","image":{"url":"https://ucarecdn.com/69d38d7f-8f4b-4632-8795-a6a9399b4cc8/","alt":"Mountain Fire in Ventura County: Home Insurance Insights","width":1920,"height":1280},"direct_link":"https://stacklist.com/card/1c92e285-c0c1-46d2-ba69-0205130f9a68","created_at":"2026-09-02T11:14:49.672Z","updated_at":null,"aco":{"summary":"Ventura County residents facing wildfire risks can benefit from a state-imposed moratorium on insurance cancellations following Gov. Newsom's emergency declaration, which protects existing policyholders for one year. The California Department of Insurance advises homeowners to document possessions and utilize Additional Living Expenses coverage for evacuation costs.","tags":["wildfire-insurance","ventura-county","home-insurance","moratorium","california","evacuation","consumer-protection"],"key_entities":[{"name":"Gavin Newsom","type":"person","confidence":0.98},{"name":"Ricardo Lara","type":"person","confidence":0.97},{"name":"Gabriel Sanchez","type":"person","confidence":0.92},{"name":"Rick Dinger","type":"person","confidence":0.9},{"name":"California Department of Insurance","type":"organization","confidence":0.99},{"name":"ABC7","type":"organization","confidence":0.95},{"name":"CAL-FIRE","type":"organization","confidence":0.95},{"name":"Crescenta Valley Insurance","type":"organization","confidence":0.9},{"name":"Ventura County","type":"location","confidence":0.99},{"name":"Southern California","type":"location","confidence":0.95},{"name":"Camarillo","type":"location","confidence":0.9},{"name":"Insurance Moratorium","type":"concept","confidence":0.97},{"name":"Additional Living Expenses","type":"concept","confidence":0.93},{"name":"Mountain Fire","type":"event","confidence":0.88}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-09-02T11:15:07.218Z"},"token_counts":{"approximate":1617,"cl100k":1375},"content_hash":"sha256:27cbcf0341cd684205355bd86c3735ac0e85cf7f7f28b51818c79e83a1eb221a","acp_version":"0.2","body_available":true,"body_tokens":1617,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"1102a1ce-63e4-4eda-adc7-16548d4b063a","position":4,"title":"Ventura County, CA Wildfire Insurance | RockRose Risk","url":"https://rockroserisk.com/california/ventura-county","note":"RockRose insures Ventura County homes and businesses. We place homes above the FAIR Plan's $3M cap and turn 53 Firewise USA communities and grant-funded fuel work into savings.","image":{"url":"https://ucarecdn.com/86b71be1-faeb-4ace-93c1-9b22e1ddc66e/","alt":"Ventura County, CA Wildfire Insurance | RockRose Risk","width":612,"height":408},"direct_link":"https://stacklist.com/card/1102a1ce-63e4-4eda-adc7-16548d4b063a","created_at":"2026-09-08T13:07:09.601Z","updated_at":null,"aco":{"summary":"Ventura County Risk Management Services provides wildfire insurance coverage for homes and businesses in Ventura County, California through RockRose Risk. The service places properties above the FAIR Plan, offering specialized insurance solutions for high-risk wildfire areas.","tags":["wildfire-insurance","ventura-county","risk-management","fair-plan","property-insurance","california"],"key_entities":[{"name":"Ventura County","type":"location","confidence":0.99},{"name":"California","type":"location","confidence":0.99},{"name":"RockRose Risk","type":"organization","confidence":0.95},{"name":"FAIR Plan","type":"concept","confidence":0.9},{"name":"Wildfire Insurance","type":"concept","confidence":0.98}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-09-08T13:07:22.163Z"},"token_counts":{"approximate":50,"cl100k":44},"content_hash":"sha256:45fa394121e7ddb883f69a44b891a34b7b90b3c67d1c3db0aca2e5074aff7c37","acp_version":"0.2","body_available":true,"body_tokens":50,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"88116768-5fbc-4410-a02d-b52f9f92dbf8","position":5,"title":"Frequently Asked Questions - City of Ventura","url":"https://www.cityofventura.ca.gov/m/faq?cat=119#question-861","note":"This page provides a collection of frequently asked questions related to various city services and programs in Ventura. It aims to assist residents and visitors by offering clear and concise answers to common inquiries.","image":{"url":"https://ucarecdn.com/5571bbab-06af-4638-ae7b-ce44dfd32d72/","alt":"Frequently Asked Questions - City of Ventura","width":2048,"height":1367},"direct_link":"https://stacklist.com/card/88116768-5fbc-4410-a02d-b52f9f92dbf8","created_at":"2026-09-08T13:07:52.427Z","updated_at":null,"aco":{"summary":"Ventura City FAQs explain Fire Hazard Severity Zones (FHSZ) and their classifications for wildfire risk assessment in Local Responsibility Areas. Property owners in high-risk zones must comply with building codes, maintain defensible space, and disclose fire hazard status when selling.","tags":["fire-hazard","wildfire-safety","fhsz","community-development","ventura-city","defensible-space","local-responsibility-area"],"key_entities":[{"name":"Ventura City","type":"location","confidence":0.95},{"name":"California","type":"location","confidence":0.95},{"name":"Ventura County","type":"location","confidence":0.9},{"name":"State Fire Marshal","type":"organization","confidence":0.9},{"name":"Ventura Fire","type":"organization","confidence":0.9},{"name":"CAL FIRE","type":"organization","confidence":0.9},{"name":"City of Ventura","type":"organization","confidence":0.9},{"name":"Fire Hazard Severity Zone","type":"concept","confidence":0.95},{"name":"Local Responsibility Area","type":"concept","confidence":0.95},{"name":"Defensible Space","type":"concept","confidence":0.9},{"name":"Wildfire-resistant construction codes","type":"concept","confidence":0.85},{"name":"Fire Hazard Reduction Program","type":"event","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-09-08T13:08:01.755Z"},"token_counts":{"approximate":1796,"cl100k":1363},"content_hash":"sha256:0f48a4e35d3765f847786681835f60c57d0354c712e7a8b62884a6f810523cbe","acp_version":"0.2","body_available":true,"body_tokens":1796,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"3f15dcc5-4b6a-4d1e-be17-58dfcc41a663","position":6,"title":"Defensible Space - Ventura Regional Fire Safe Council","url":"https://venturafiresafe.org/defensiblespace/","note":"Defensible space is the buffer zone you create between your property and the surrounding wildland area. This space is key to slowing or stopping wildfire spread and protecting your home from embers, flames, or heat. It also gives firefighters a safer area to defend your property.","image":{"url":"https://ucarecdn.com/168ad2c3-fdc4-4bda-b3ac-3b1fd11c30e6/","alt":"Defensible Space - Ventura Regional Fire Safe Council","width":800,"height":600},"direct_link":"https://stacklist.com/card/3f15dcc5-4b6a-4d1e-be17-58dfcc41a663","created_at":"2026-09-08T13:09:46.061Z","updated_at":null,"aco":{"summary":"Defensible Space Guidelines for Fire Safety provides comprehensive instructions for creating buffer zones around homes to prevent wildfire spread and protect properties from flames, embers, and heat. The guidelines organize protective measures into three zones: Zone 0 (0-5 feet, ember-resistant), Zone 1 (5-30 feet, lean-clean-green), and Zone 2 (100+ feet, fuel reduction).","tags":["defensible-space","wildfire-safety","fire-prevention","home-protection","fuel-reduction","ember-resistant"],"key_entities":[{"name":"Defensible Space","type":"concept","confidence":0.99},{"name":"Zone 0 - Ember Resistant Zone","type":"concept","confidence":0.95},{"name":"Zone 1 - Lean, Clean, and Green Zone","type":"concept","confidence":0.95},{"name":"Zone 2 - Reduce Fuel Zone","type":"concept","confidence":0.95},{"name":"CAL FIRE","type":"organization","confidence":0.92},{"name":"Ventura County FD","type":"organization","confidence":0.88},{"name":"Ventura County","type":"location","confidence":0.85},{"name":"Public Resources Code (PRC) 4291","type":"concept","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-09-08T13:09:53.840Z"},"token_counts":{"approximate":1337,"cl100k":1123},"content_hash":"sha256:8c9ce48ae91806305e990ef46f7483083141aa3df73653877c28f743dff05901","acp_version":"0.2","body_available":true,"body_tokens":1337,"visibility":"public","agent_accessible":true,"status":"final"}},{"id":"0894e05e-01cc-4c84-81b6-519261e85ec0","position":7,"title":"Risk Reduction Zones Exploration Tool","url":"https://apps.wildfirerisk.org/explore/risk-reduction-zones/06/06111/0600065042","note":"This webpage provides an interactive tool for exploring risk reduction zones related to wildfire management. Users can access detailed information and resources to help mitigate wildfire risks in specific areas.","image":{"url":"https://ucarecdn.com/6ce176c8-d482-4153-9168-c5b55472aef5/","alt":"Risk Reduction Zones Exploration Tool","width":1000,"height":710},"direct_link":"https://stacklist.com/card/0894e05e-01cc-4c84-81b6-519261e85ec0","created_at":"2026-09-08T13:10:36.699Z","updated_at":null,"aco":{"summary":"Risk Reduction Zones Explorer Tool is an interactive web application for exploring and analyzing wildfire risk reduction zones by geographic location. The tool provides spatial data visualization and mapping capabilities for wildfire risk assessment and management planning.","tags":["wildfire-risk","risk-reduction","geographic-explorer","hazard-mapping","fire-management","spatial-analysis"],"key_entities":[{"name":"Risk Reduction Zones Explorer Tool","type":"technology","confidence":0.95},{"name":"Wildfire Risk","type":"organization","confidence":0.85},{"name":"risk-reduction-zones","type":"concept","confidence":0.9},{"name":"wildfire-risk-assessment","type":"concept","confidence":0.88}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-09-08T13:10:42.970Z"},"token_counts":{"approximate":20,"cl100k":27},"content_hash":"sha256:f0aa717973d1607a61b5579178e5c0255bfe39ca57c51c2475d21f719d0b6943","acp_version":"0.2","body_available":true,"body_tokens":20,"visibility":"public","agent_accessible":true,"status":"final"}}],"stats":{"likes_count":0,"items_count":7},"_links":{"self":"/api/public/stack/090e8e65-370f-48fa-ab21-d28d73610360.json","html":"https://stacklist.com/c/home/stack/090e8e65-370f-48fa-ab21-d28d73610360","rss":"/api/feeds/stack/090e8e65-370f-48fa-ab21-d28d73610360/rss","json_feed":"/api/feeds/stack/090e8e65-370f-48fa-ab21-d28d73610360/json"}}