Insurance
Rules that make insurers count mitigation, and the certification many of them recognize.
Insurance ruleIn effectReady to proceed
Wildfire Mitigation Incentive Program (insurer discounts)
Nevada. Nevada Division of Insurance
Under section 9 of AB 100 (2021), home insurers can file wildfire mitigation discounts on an expedited track. Participation is voluntary, and the Division's guide lists the measures and maximum discounts insurers may use.
Voluntary insurer discounts, guide maximums per item (2022 guide): fire-resistant vents up to 20%; clearing vegetation, debris, mulch, and movable combustibles within 5 ft up to 20%; only noncombustible materials within 5 ft, including fences and gates, up to 20%; Class A roof up to 30%; Firewise USA site up to 30%. Combined discounts cannot bring the premium to zero.
Ready to proceed. It applies to insurers in your state. Keep the record of the work.
- Work it may recognize
- Vents and the first 5 ft around the house
Details and how to use it
- Details
- Also lists enclosed eaves, noncombustible siding, dual-pane windows, 6 in noncombustible clearance at the base of walls, clearing under decks, roof sprinklers, and water tanks. Gutters and garage seals are not named. Only insurers that filed a program offer these discounts.
- How
- Ask your insurer whether it has filed a Wildfire Mitigation Incentive Program in Nevada. If it has, document each completed item with photos and receipts and ask for a re-rate.
- We prepare
- Mitigation record and Request for a mitigation review
Insurance ruleIn effectReady to proceed
Nevada AB 376 wildfire exclusions in home policies
Nevada. Nevada Legislature; Nevada Division of Insurance
AB 376 (2025) lets insurers, starting January 1, 2026, leave wildfire out of standard homeowners policies and sell wildfire coverage as a separate product. It also speeds rate approvals and allows product testing outside existing rules.
Ready to proceed. It applies to insurers in your state. Keep the record of the work.
Details and how to use it
- Details
- No mitigation discount or risk score provisions were reported. Mitigation may help when shopping for separate wildfire coverage.
- How
- At each renewal, confirm in writing whether your policy still covers wildfire. If not, ask about separate wildfire coverage and any mitigation credits.
- We prepare
- Request for a mitigation review
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.
- Douglas CountyTahoe Douglas Fire Defensible Space Rebate
- Washoe CountyNorth Lake Tahoe FPD curbside chipping and defensible space inspections, Truckee Meadows Fire free fuels reduction, East Washoe Valley
In progress
AB 376 (2025) allows insurers, starting January 1, 2026, to exclude wildfire from standard homeowners policies and sell it separately; Nevada Current reports weak notice requirements. The Division of Insurance Wildfire Mitigation Incentive Program (authorized by section 9 of AB 100, 2021; guide dated August 3, 2022) is voluntary for insurers. Reno adopted a 2026 Community Wildfire Protection Plan in February 2026. IBHS Wildfire Prepared Home was available in Nevada before the April 2026 expansion.
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.