Valley floor vs. foothills
Most homes on the Santa Clara Valley floor aren't in mapped high-hazard zones, but foothill neighborhoods may be. The state revised its maps in 2025, so check your address on the OSFM map even if you checked before.
Class A materials
| Material | Class A? |
|---|---|
| Asphalt shingles | Generally yes |
| Concrete or clay tile | Generally yes |
| Metal shingles or sheets | Generally yes |
| Wood shake shingles | No |
Per the Department of Insurance (Safer from Wildfires). Ratings apply to the tested assembly, so ask for the listing.
Cool roof and Class A together
In climate zone 4, the same new roof usually has to be a rated cool roof too. Many shingle, tile and metal products meet both; confirm both ratings on the estimate.
Insurance
A Class A roof counts toward Safer from Wildfires discounts. Keep the permit and product documentation.
Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.
Get a free replacement quoteFrequently asked questions
Is my Almaden or Evergreen home in a fire zone?
Some foothill areas are mapped. Check your exact address on the 2025 state map.
Can one roof be both Class A and a cool roof?
Yes. Many products carry both ratings; get both on the estimate.
Are wood shake roofs still on South Bay homes?
Some are. Wood shake isn't Class A, which matters for fire zones and insurance discounts.
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.