WRAP Resource Center – Get Started Now!

Welcome to the Wildfire Risk Reduction and Asset Protection (“WRAP”) Resource Center, we’re glad you’re here! 

The best strategy for people and communities that are vulnerable to wildfires and want to keep insurance in place to protect their assets is to take the specific steps that experts recommend for reducing the risk of wildfire damage or destruction. By visiting this section of the non-profit United Policyholders’ website, you’ll find out what those steps are, where you and your neighbors can get local help, grants and information, and how reducing wildfire risk can lead to better insurance options.

Let’s get started!

Here are the wildfire risk reduction steps that experts are recommending, and that insurance companies are starting to reward:

•  Safer from Wildfires (CALFire and the CA Department of Insurance)

• Wildfire Prepared Home Base and Plus (The Insurance Institute for Building and Home Safety, an insurance-industry funded nonprofit research entity.

If your home meets either of these sets of standards, you have reduced your home’s chances of being damaged or destroyed in a wildfire and should qualify for better insurance options and pricing. View a comparison IBHS and Safer from Wildfires wildfire risk reduction standards for existing homes provided by Madronus Wildfire Defense.

By law, your insurance company should send you a notice explaining your wildfire risk classification, the amount of the wildfire portion of their premium, which mitigation discounts you are currently receiving, and which ones you are not currently taking advantage of.

View a comparison IBHS and Safer from Wildfires wildfire risk reduction standards provided by Madronus Wildfire Defense, one of many businesses that are helping property owners get their homes in compliance with those standards.

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.

To find local resources for home assessments in your county scroll down to Step 5!

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 Fire Risk Reduction Community List.
  

  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 are eligible to receive the “My Home Hardening” discount of up to 12.5% off for hardening their homes and communities against wildfires.
  State Farm	Summary of State Farm presentation at June 2026 WRAP Meeting: State Farm is accepting applications from current customers who move to a new location that is in a low or moderate wildfire risk area. State Farm is accepting new customers if they have received the IBHS Plus (Enhanced) Designation in low, moderate and high wildfire risk areas. State Farm offers a 2% discount on your entire premium if you are in a Firewise Community State Farm offers a 5% discount if your have a IBHS Base Certificate. Existing customers will see a list of mitigation discounts available to you in your renewal. (Info provided by State Farm at 6/16/26 WRAP Working Group Meeting)

Home Insurance Availability: 

The California Department of Insurance announced in May 2026 the following insurance companies have approved or pending rate-filings that include a commitment to stay and grow in California.

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.