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California FAIR Plan wildfire mitigation discount

California FAIR Plan Association · State program

Discount amount not stated on the reviewed page.

FAIR Plan policyholders can get a discount on the wildfire portion of their premium for hardening their homes. This is a state-backed insurance option for Californians who can’t get standard coverage.

Last verified: August 28, 2026
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Program details

How it works

The California FAIR Plan is California’s insurer of last resort for homeowners and businesses who cannot find coverage in the regular market. The Department of Insurance says residential policyholders can obtain a discount on the wildfire portion of their FAIR Plan premium for hardening their properties.

What the money covers

This is a premium discount, not a grant or rebate. It reduces the wildfire portion of the FAIR Plan cost when the insured property has been hardened.

Timing and status

The FAIR Plan page is active. The reviewed page does not state the size of the discount or list the exact qualifying measures on the landing page.

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