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It does vary now! I got something in the mail from state farm saying they are switching from an area type model, where all "forested areas" are the same, to a more specific gps based risk assessment model. That's when my state farm went down actually. Gave me some peace of mind since others in "forested areas" are getting huge increases or just dropped. I'm in the Mendocino coastal redwoods, so very low fire risk compared to most of California, which is pines and oaks. With the beetles killing the pines, and the sudden oak death, it's not an if, but a when all those forests completely burn. Makes perfect sense state farm wants out of there.