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Countywide Fire Risk Reduction Community designation insurance and grant support

County of Santa Cruz · County program

Potential insurance discounts; amount not stated and varies by insurer.

Santa Cruz County says its Fire Risk Reduction Community designation may help homeowners qualify for wildfire insurance discounts, depending on the insurer and the home-hardening work done. The county also says the designation can help the county and partners get priority for certain wildfire prevention grants.

Last verified: August 28, 2026
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Program details

How it works

Santa Cruz County says it is included on CAL FIRE’s Fire Risk Reduction Community List. The county describes this as recognition of local wildfire-risk reduction work through planning, public education, coordination, and community resilience.

What homeowners can use it for

The county says some homeowners may qualify for wildfire insurance discounts, but discounts are not guaranteed and vary by insurance company, policy, and the wildfire-safety improvements made to the property. The page also says homeowners should ask their insurance agent or provider whether the designation applies and what documentation is needed.

County and partner grant support

The page says the designation may give the county priority when applying for certain wildfire prevention grants. It specifically says county-led projects can support local fire districts, Fire Safe Councils, Resource Conservation Districts, and other partners. Example eligible project types listed include vegetation clearance, fuel breaks, chipping programs, prescribed grazing, green waste programs, wildfire risk mapping, strategic fire planning, and public education and outreach.

Timing

The page does not list a deadline or application window for homeowners; it is a countywide designation page and informational resource.

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