WRAP Resource Center – Get Started Now!

Welcome to the Wildfire Risk Reduction and Asset Protection (“WRAP”) Resource Center, a United Policyholders’ initiative supported by a statewide network of resiliency advocates and the Governor’s Office of Emergency Services. 

Our goals are to reduce wildfire risk throughout California and help property owners access fairly priced insurance.  In this WRAP Resource Center you’ll find out about the home improvements that reduce wildfire risk, access leads to programs and people that can help you make those improvements, and info on risk reduction activities in your community.   Let’s get started!

Below you’ll find links to the two sets of similar but not identical wildfire risk reduction standards that are currently in place in California:

1. The Safer from Wildfires set of standards was created by CALFire and the Department of Insurance.
2. The Wildfire Prepared Home set of standards was created by The Institute for Building and Home Safety, an insurance-industry funded nonprofit research entity.

Meeting either of these standards will reduce your home’s chances of being damaged or destroyed in a wildfire and should qualify you for better insurance options and pricing in the future.

View a comparison IBHS and Safer from Wildfires wildfire risk reduction standards for existing homes provided by Madronus Wildfire Defense.

Assess your home using the links below, or request an assessment from your local fire department or a Wildfire Mitigation Specialist, if available in your area.

IBHS Wildfire Prepared Home program offers a free online home assessment so that homeowners can work to meet the standards of a Wildfire Prepared Home. If your home is in a qualifying area, and you have completed the steps to become a “wildfire prepared home” you can request an assessment for $125 that will qualify your home for 3 years.

CAL FIRE Online Wildfire Preparedness Plan offers a personalized checklist for your home.

Find out what mitigation steps matter to your current insurance company and what discounts may be available.  

You can do this by:

1. Contacting your agent
2. Contacting your insurance company 
3. Using the California Department of Insurance list of insurers currently providing discounts based on mitigation. Some insurers are currently offering discounts for NFPA FireWise Community and Shelter-in-Place Community designations.
   

Starting Aug. 23rd, 2023, California FAIR Plan (CFP) is offering discounts for home hardening (10%) and defensible space (5%).  Watch the recording of our recent WRAP resource sharing for more details.  VIDEO: How to apply for a CA Fair Plan Mitigation Discount

There are limited circumstances where an insurer must renew your policy: If you live in a zip code adjacent to a recent wildfire, use the CDI Zip Code Mandatory Moratorium Tool to see if your zip code is protected.

Active Mandatory Moratoriums: 

Low cost improvements can make a big impact, so don’t delay!

• View the Low Cost Retrofit List and get started with a caulk gun and a sheet of 1/8″ metal screening.
• View the Wildland Urban Interface (WUI) Products Handbook for a list of qualified sources for materials to complete home updates.
• Download the Home Retrofit Guide for an excellent guide with clear illustrations

Click here to find for-hire home improvement services in California:

Inspire your neighbors to take action! 

Need inspiration?

View the winning designs of the wildfire-resilient landscaping contest conducted at the University of California, Berkeley. A partnership with CSAA Insurance Group and the Insurance Institute for Business & Home Safety (IBHS), the contest was designed to produce innovative, affordable ideas for homeowners that emphasize wildfire defense while preserving attractiveness.