Estimate your insurance discount under the CDI Safer From Wildfires regulation. Stack discounts for Class A roof, ember-resistant vents, defensible-space zones, and community certifications. Works for admitted-market and FAIR Plan policies.
California's Safer From Wildfires regulation (Title 10 CCR §2644.9) requires every admitted homeowners insurer to apply mandatory discounts when a policyholder implements specified wildfire-mitigation actions. The discounts apply to the wildfire-risk portion of your premium, not the entire premium. In high-risk ZIP codes like Paradise (Butte County), Lake Tahoe Basin, or the Santa Cruz Mountains, wildfire risk represents 55-70% of total premium — meaning a 40% discount on the wildfire portion translates to a 22-28% discount on your total premium.
The discounts are stackable but capped. The regulation doesn't publish an explicit cap, but in practice admitted-market filings cap the cumulative wildfire-portion discount at 38-42%. This calculator uses 40% as the typical cap. Filings from State Farm, CSAA, Farmers, and Allstate all publish their specific stacking math in their CDI-approved rate manuals.
For FAIR Plan policies (the insurer of last resort), the same regulation applies as of 2023, though we apply a 0.90 modifier to the discount because FAIR's underlying premium already reflects a risk-pool methodology rather than market-based pricing. FAIR Plan policies are typically 30-60% more expensive than admitted-market policies, so even a smaller percentage discount yields meaningful dollar savings.
Most discounts require third-party inspection — typically a state-certified wildfire-mitigation specialist, IBHS-trained inspector, or local fire district verification. Inspections cost $200-$500 and remain valid for 3-5 years. Community discounts (Firewise USA, Shelter-in-Place) require documentation from the certifying body. Your insurer must accept any qualified third-party inspection — they cannot require their own preferred vendor.
The mitigation discount does not solve the non-renewal crisis. Insurers ceasing new business in high-risk ZIPs are responding to catastrophe-model output from RMS, AIR, and Karen Clark — not to individual mitigation. Full mitigation makes you a more attractive risk for whichever insurer is still writing your area, but it cannot force an insurer to enter a market they've exited. In many high-risk ZIPs, FAIR Plan with a Difference-in-Conditions (DIC) wrap is the only available option even for fully mitigated homes.