Increasingly, climate risks such as hurricanes, floods and wildfires are causing insurance payouts that exceed the premiums insurers are collecting. This leads insurers to raise rates or reconsider insuring certain areas altogether.

Through pro-active measures and community-wide programs, you can can make your home safer from wildfires, save on insurance premiums, and start being safer together.

Rapidly spreading by strong winds and dry fuels, wildfires have the potential to transform tiny embers into raging fires in a matter of minutes. Although no home can be fully fireproof, you can take measures to make your own home more fire-resistant and provide your family with more time to flee.

In California, under the Safer from Wildfires framework, insurance companies are required to give discounts to policyholders who take specific actions to reduce their home's risk of wildfire damage. Insurance companies also must tell you about the wildfire risk factors on your property — and Safer from Wildfires gives you the tools to reduce your risk and help keep your insurance.