Making your home more resilient to wildfire can involve both small improvements and larger investments. Understanding available financial resources and knowing how to talk with your insurance provider can help you make informed decisions.

The City of Boulder connects property owners with information about wildfire mitigation incentives, assistance programs and insurance resources to help them plan their next steps.

Find Financial Assistance for Wildfire Mitigation

Wildfire mitigation improvements can range from low-cost maintenance to larger home renovations. Depending on your property, the type of work and current program availability, financial assistance or tax benefits may help offset some costs.

Before starting a project, review eligibility requirements, application deadlines and documentation needs. Not every program is available to every property owner, and some may require approval before work begins.

Wildfire Resilience Assistance Program (WRAP)
The City of Boulder’s WRAP provides funding to eligible property owners to complete home hardening and vegetation management work on their properties.

Colorado wildfire mitigation tax incentives
Learn about state tax benefits that may apply to eligible wildfire mitigation expenses.

Boulder County Wildfire Partners
Explore wildfire mitigation education, property assessment resources and available assistance programs.

Estimate the Cost of Your Project

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Make the Most of Your Insurance Conversation

Your insurance provider can help you understand how wildfire risk, home improvements and coverage options relate to your policy.

Your insurance provider is the best source of information about your specific policy, coverage and potential discounts.

The questions below can help you prepare for a conversation about wildfire risk, mitigation improvements and your insurance options.

Before contacting them, consider gathering:

  • Your current homeowners insurance policy.
  • Any Detailed Home Assessment recommendations.
  • Photos of your home's exterior and surrounding landscaping.
  • Receipts or documentation of completed wildfire mitigation improvements.
  • A list of planned improvements you want to discuss.

Important: Completing wildfire mitigation work does not guarantee a reduction in premiums or continued insurance coverage. Requirements and decisions vary by insurer.

The city does not determine insurance rates or coverage decisions, but we can help residents better understand their wildfire risk and identify actions to reduce it.

When speaking with your insurance provider, consider asking:

  • Does my policy recognize wildfire mitigation improvements?
  • Are there specific improvements you recommend for my property?
  • Do you offer discounts or other benefits for completing mitigation work?
  • What documentation would you need to evaluate improvements I've made?

Consider asking your insurance provider:

  • How do you evaluate wildfire risk for my property?
  • What information or risk assessments do you use when making coverage decisions?
  • Would a Detailed Home Assessment from the city be useful?
  • How frequently is my property's wildfire risk reevaluated?
  • Can I request a review if I've completed wildfire mitigation improvements?

Consider asking your insurance provider:

  • What documentation should I keep when completing wildfire mitigation improvements?
  • Are before-and-after photos helpful?
  • Should I submit receipts, contractor invoices or inspection reports?
  • Can I submit my Detailed Home Assessment and documentation of completed improvements?
  • How do I make sure this information is included in my insurance records?

Consider asking your insurance provider:

  • Could completing wildfire mitigation improvements affect my eligibility for coverage?
  • Are there specific improvements you require or recommend to maintain coverage?
  • If my policy is not renewed, what options do I have?
  • How far in advance will I be notified about changes to my coverage?
  • Can I request another property review after completing recommended improvements?

A Detailed Home Assessment from Boulder Fire-Rescue can help identify potential wildfire vulnerabilities around your property and recommend improvements.

You can share your assessment with your insurance provider to explain your property's conditions, the mitigation work you've completed and the improvements you're planning.

Ask your insurer whether the assessment or completed mitigation work may affect your coverage, eligibility or available discounts.

Not necessarily. Some insurance companies may consider wildfire mitigation when evaluating a property, but discounts and underwriting decisions vary by insurer.

Ask your provider whether it offers wildfire mitigation discounts, what improvements qualify and how those improvements are verified.

Completing mitigation work does not guarantee lower premiums, new coverage or policy renewal.

City projects may provide useful context when discussing wildfire risk with your insurer, particularly when work is happening near your neighborhood.

However, the city cannot guarantee that an insurance company will recognize these projects, change a property's risk classification or adjust coverage or premiums.

Ask your insurance provider whether it considers community wildfire mitigation programs when evaluating properties.

Consider asking your insurance provider:

  • Does wildfire mitigation work completed by my neighbors affect how you evaluate my property's risk?
  • Do you consider community-wide wildfire mitigation projects when making coverage decisions?
  • Does vegetation management on nearby public land factor into your assessment?
  • Are there neighborhood-level programs or certifications you recognize?
  • How can I share information about wildfire mitigation projects happening in my community?

Understand Your Home's Wildfire Vulnerabilities

Learn About Detailed Home Assessments

Additional Insurance Resources

If you have questions about wildfire insurance, coverage or your options, these organizations offer additional information and support.

Colorado Division of Insurance
Provides consumer information, guidance about insurance coverage and assistance with insurance-related questions or complaints.

United Policyholders
A nonprofit organization that offers educational resources to help property owners understand insurance, prepare for disasters and navigate insurance challenges.

Colorado FAIR Plan
Provides a potential insurance option for eligible Colorado property owners who have difficulty obtaining coverage through the traditional insurance market. Coverage and eligibility requirements apply.

These organizations can help you better understand your options and make informed decisions about your property insurance.

What’s Your Next Step?

Wildfire preparedness looks different for everyone. Explore more ways to reduce your risk and build resilience.