If you live in California, you’ve probably noticed your home insurance costs creeping up, especially if you’re in a wildfire-prone area. The good news? Thanks to the state’s Safer From Wildfires regulation, insurance companies are now required to offer discounts if you take steps to make your home more resistant to fire.

But here’s the catch: every insurer has its own rules, and the discounts can vary a lot. To make things easier, we pulled together the latest verified information about wildfire mitigation discounts from major providers.

Why Wildfire Mitigation Matters for Insurance

Wildfire mitigation isn’t just about peace of mind—it’s about lowering your risk and proving it to your insurance company. Insurers reward things like:

• Using a Class A fire-rated roof

• Installing ember-resistant vents

• Enclosing or boxing your eaves

• Keeping a defensible space around your home

• Upgrading to multi-pane or tempered windows

• Joining a Firewise USA® community
  
  

The more you do, the more you can save.

Verified Discounts by Insurance Provider 

California FAIR Plan

• Discounts up to 20% off the wildfire portion of your premium.

• 10% if your home meets structure-hardening standards

  1. 1. 1. Class A Roof

        2. Ember/Fire Resistant Vents

        3. Boxed Eaves

        4. Fire Resistant Windows

        5. Non-Combustible 6in base at the bottom of exterior walls

• 5% if you maintain immediate surroundings (defensible space, clean decks, remove sheds/outbuildings).

  1. 1. 1. Vegetation mush be cleared from underneath decks

        2. No combustible sheds or buildings within 30ft of the home

        3. Defensible space must be maintained to code 4291

        4. There must be an ember resistant zone maintained within 5 feet around the home

• Discounts can stack when combined with community programs like Firewise®.

FAIR-Plan-Discounts-One-Pager.pdf

State Farm

• 6.3% discount if your home meets Safer From Wildfires hardening standards and you live in a Firewise USA or Fire Risk Reduction Community.

• 2–3.8% extra if you earn IBHS certification (inspection required).

• Earlier filings mentioned “up to 10%,” but as of 2024, the approved discounts are in the 6–9% range.

carriermanagement.com State Farm Discount

Mercury, Farmers, Chubb, USAA, Amica

These companies also offer discounts for wildfire mitigation, but they don’t publish detailed percentages the way FAIR Plan and State Farm do. Requirements typically include:

• Class A roofing

• Ember-resistant vents

• Enclosed eaves/soffits

• Defensible space maintenance

• Upgraded windows

• Clean gutters
  
  

Pro tip: Ask your agent to share the “Safer From Wildfires” discount schedule filed with the California Department of Insurance. Every insurer is required to file one, even if it’s not posted online.

How to Get Your Discount

1. Harden your home — tackle the checklist items above.
   
   

2. Document your work — take photos and keep receipts.
   
   

3. Ask your agent — don’t assume the discount is automatic.
   
   

4. Keep it up — insurers can re-inspect or require proof you’re maintaining defensible space and clean gutters.