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.

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.

Homeowners along the East Coast face significant climate-related risks due to increasing temperatures, extreme weather events, rising sea levels, and changing climate patterns. These risks pose threats to both the safety and financial well-being of homeowners. However, through building resilience, education, and decisive action by policymakers, these risks can be mitigated.