Wildfire mitigation evidence works differently in each state
California mandates filed mitigation discounts. Colorado centers risk-score transparency and recognition. Nevada offers a voluntary carrier incentive framework backed by state and local mitigation guidance. Choose your state for the rules, programs, and evidence path that actually apply there.
Mandatory mitigation discounts and filed carrier programs
Understand Safer from Wildfires, California FAIR Plan savings, qualifying actions, and the proof carriers use to apply a discount.
Open the California guide →ColoradoRisk-score transparency, appeals, and documented mitigation
Prepare property and community evidence for wildfire risk-model explanations, mitigation recognition, appeals, and the state tax credit.
Open the Colorado guide →NevadaVoluntary carrier incentives, inspections, and IBHS proof
Build a Nevada-specific record around home hardening, Living With Fire defensible-space zones, local inspections, and community programs.
Open the Nevada guide →These guides explain documentation paths, not guaranteed insurance outcomes. Eligibility, underwriting, and savings depend on your property, policy, carrier, and current state rules.
Start with the state your property is in.
Enter the address to identify likely wildfire flags and begin a state-specific evidence record.