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 California Governor’s Office of Emergency Services (CalOES).

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 information 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:

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

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

If you can make improvements to your home to meet either of these standards, you 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.

Starting in 2026, your insurance renewal should include a new form – a notice explaining your wildfire risk classification, the amount of the wildfire portion of their premium, which mitigation discounts they are currently receiving, and which ones you are not currently taking advantage of.

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.

Home Insurance Affordability:

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

You can do this by:

• Contacting your agent
• Contacting your insurance company 
• Some insurers are currently offering discounts for Wildfire Prepared Home Certifications,  NFPA FireWise Community Designations, and Shelter-in-Place Community Designations.
  

  United Policyholders is monitoring mitigation discounts offered by home insurers in California.  Here are some examples of how insurers are implementing the Safer from Wildfire Regulations. If you have new or updated information to add to this list, please email: info@uphelp.org
  CA FAIR PLAN	Dwelling Fire policyholders may qualify for up to 12 discounts applied to the wildfire portion of your premium. Amount of discounts up to 16.4% (as of  11/15/25) View Flyer Here
  Mercury Insurance	Mercury Insurance currently offers a variety of discounts with more options taking effect July 2026 Chart provided by Mercury Insurance 1.20.26
  CSAA	My Home Hardening Discount Visit CSAA Website here for more info AAA Home Insurance customers with new business or renewal effective dates 10/10/2025 and later, or AAA Rental Property Insurance customers with an effective date of 1/1/2026 and later are eligible to receive the “My Home Hardening” discount of up to 12.5% off for hardening their homes and communities against wildfires.

Home Insurance Availability: 

The California Department of Insurance announced on 2/6/26, CDI has approved a rate-filing from Pacific Specialty that, “includes a significant commitment: the company will immediately begin offering new homeowners policies in the state’s wildfire-distressed areas, as identified by the Department, without requiring a separate Difference in Conditions (DIC) policy.”

The California Department of Insurance announced in a press release on 1/9/26 that, “Under Commissioner Lara’s Sustainable Insurance Strategy, six insurance companies, including four of the state’s top homeowners carriers – Farmers, Mercury, CSAA, USAA, Pacific Specialty, and California Casualty – have announced they are staying and growing in parts of the state affected by wildfires.”

If you need help shopping for home insurance and you do not have a relationship with an independent broker that you trust,  there is a service through Yapacopia, a public benefit corporation (“B-Corp”) that connects you with an independent professional insurance broker.  By using their service you can get a free review of your current policy and quotes for other and possibly better options for insuring your assets.

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!

• Watch “Retrofitting Your Home for Wildfire” YouTube tutorials by Fire Safe Marin.
• 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
• Download the California Fire Safe Council Vendor List:  This free resource is designed to connect communities and homeowners with reputable businesses throughout the state skilled in wildfire resilient products and services.

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

Insurance Institute for Business & Home Safety (IBHS) has developed the IBHS Wildfire Prepared Neighborhood Standard to meaningfully reduce the probability of a built-environment conflagration in the neighborhoods where it is applied.

This technical standard has been implemented by KB Homes in Northern and Southern California new neighborhood developments.

Escondido: KB Home unveils its first ‘fire-resilient’ community in Southern California

El Dorado County: Living With Fire: Inside Northern California’s First Wildfire Prepared Neighborhood

Inspire your neighbors to take action! 

Need inspiration for your home?

Fire Smart Yards – This guide, created by Fire Safe Marin provides a brief overview of the main principles of fire smart landscaping, along with photographs of attractive solutions. Each section concludes with Frequently Asked Questions (FAQs) that offer additional information and can facilitate discussions between landscapers and their clients.
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.