Insurance
Rules that make insurers count mitigation, and the certification many of them recognize.
CertificationOpenReady to proceed
Wildfire Prepared Home
Nationwide. Insurance Institute for Business & Home Safety (IBHS)
A certification from the insurance industry’s research institute that a house meets its wildfire standard. An evaluator visits and documents the work, and many insurers in the states where it’s offered recognize it.
Discounts vary by insurer and state and aren’t guaranteed. A designation lasts 3 years, with a yearly photo review to keep it active.
Ready to proceed. It applies to insurers in your state. Keep the record of the work.
- Work it may recognize
- Vents, gutters and gutter guards, and the first 5 ft around the house
- You’ll need
- A fee and a yearly review
Details and how to use it
- Details
- Essential, the ember level, also asks for a Class A roof and 6 in of noncombustible wall base. Enhanced adds gutter guards, enclosed eaves, tempered windows, and noncombustible siding and decks. Garage doors aren’t named.
- How
- Do the work with the How-To Prepare checklist, then apply online with photos of every side of the house and the 0 to 5 ft zone. An evaluator visits; if something falls short, you have 60 days to fix it and send photos.
- We prepare
- Certification checklist and Mitigation record
Free help
Assessments and services you don’t pay for.
Neighborhood programOpen
Firewise USA
Nationwide. National Fire Protection Association (NFPA)
A neighborhood program. Residents form a small board, get a risk assessment, write an action plan, and log the work they do each year to stay recognized. Some state insurance rules and some insurers count a recognized neighborhood.
Details and how to use it
- Details
- Community work: clearing, chipping days, and education. Your own retrofit work counts toward the neighborhood’s yearly total.
- How
- Look up recognized sites near you, or start one with your neighbors through NFPA’s Firewise USA portal. Your state forestry agency usually helps with the assessment.
Local programs
Counties, cities, and fire districts with their own money or help. Open your county to see everything that applies there.
In progress
HB 2384 (2025, fire insurance and wildfire risk modeling, would have pushed property-level rather than neighborhood-wide risk decisions) passed the House on March 20, 2025 but saw no Senate action and did not become law. HB 2292 (2026) would create a Wildfire Mitigation and Risk Reduction Authority and Fund under DFFM, funded by about $20 million a year of redirected insurance premium tax, with award preference for dwellings; it cleared the House Land, Agriculture and Rural Affairs committee in February 2026, and final passage was not confirmed. No Arizona tax incentive or seller disclosure rule for wildfire was found.
General information, not legal, tax, or insurance advice. Rules and funding change, so open the official page before you apply or buy for a program.