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.

Storm mitigation reduces a property’s risk to future events. It can allow residents to return more quickly to a home with less damage. While it usually takes an initial investment, mitigation pays off in the long run. On average, every $1 spent on mitigation saves $6 in future losses.

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.

The retreat of insurance companies from areas heavily impacted by extreme weather risks has far-reaching consequences. It leaves homeowners unprotected against catastrophic losses, places the burden of recovery on communities, and creates economic instability.

Securing furniture, household items, electronics, and appliances is a relatively simple and affordable measure that can save lives, protect your property, and minimize post-earthquake recovery efforts. By taking proactive steps now, you ensure a safer environment for yourself and your family when the ground begins to shake.

From an increase in damage from natural disasters to more wear and tear as our seasons become more extreme, there are multiple ways climate change threatens home values.

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.

Storm damage isn’t the only way extreme weather affects your home’s value. Rising insurance costs, increased building costs, and more can decrease the value of your home. To understand these costs and how to protect your investment, read on.

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.