Know exactly what your insurer requires to lower your wildfire premium.
California law requires every major insurer to offer discounts for wildfire mitigation. This tool shows you exactly what steps qualify — and how much each one is worth.
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How It Works
Three steps to understand your wildfire discount eligibility.
Enter Your Property Address
Auto-detect your CAL FIRE fire hazard severity zone and get property-specific guidance on which measures matter most for your location.
Select Your Insurer
Choose from 29 California carriers including State Farm, Farmers, Mercury, AAA, Chubb, FAIR Plan, Liberty Mutual, Homesite, Kin, Wawanesa, Amica, Bamboo, WOWS, and more.
Check Off Completed Measures
Work through 21 mitigation measures across 5 categories: community, defensible space, home hardening, certification, and active systems — including spray systems, retardant services, and private fire agencies.
See Your Discount Estimate
Get an instant estimate of your potential premium discount and a gap analysis showing exactly what to do next.
Select Your Insurance Provider
Choose your current or prospective California homeowners insurer to see their specific wildfire mitigation discount program, requirements, and spray system policy. Now covering 29 carriers — from major admitted insurers to wildfire-friendly specialty carriers including WOWS Insurance Services.
What Makes This Different
Built directly from CDI rate filings and insurer program documentation — not marketing copy.
Zone Zero Compliance
Every measure tagged with Zone Zero status. See exactly which 0–5 ft clearance requirements your insurer mandates.
Spray System Clarity
Only Chubb has a filed discount for installed spray systems. We clearly distinguish insurer-deployed services from homeowner-installed systems.
Tiered Discount Programs
Mercury's Essential/Enhanced/Elite tiers, AAA's per-measure discounts, FAIR Plan's 16.4% maximum — all structured and queryable.
IBHS Certification Tracking
Track whether your insurer accepts IBHS Wildfire Prepared Home designations and what discount they offer.
Query by Any Measure
Select any of 21 measures — including retardant spray services and private fire agencies — and instantly see every insurer that offers a discount for it.
Data Sources & Disclaimer: Discount data is sourced from California Department of Insurance (CDI) rate filings, RFF Working Paper 25-30 (December 2025), individual insurer program pages, and the California FAIR Plan. Discount percentages are estimates based on publicly available data. Actual discounts depend on your home's specific wildfire risk score, location, and the insurer's current filed rates. This tool is for informational purposes only. Always contact your licensed insurance agent or broker to confirm eligibility and current discount amounts. Last updated: May 2026.