Nevada Personal-Lines Property Insurance Wildfire Mitigation Incentive Program

How it works

The Nevada Division of Insurance publishes a wildfire mitigation incentive schedule for personal-lines property insurers. The document lists wildfire hardening measures and the discount ranges insurers may use for expedited approval, expressed as a percentage of total policy premium. The state’s consumer guidance also notes that additional mitigation efforts may be required before an insurer will issue a policy on a property, depending on where the home is located. (doi.nv.gov)

What the money covers

The schedule includes premium discounts tied to specific wildfire-hardening features, including:

• Class-A fire-rated roof
• Enclosed eaves
• Fire-resistant vents
• Fire-proof siding
• Multi-pane windows or functional shutters that cover the entire window and do not have openings
• At least six inches of noncombustible vertical clearance at the bottom of the exterior surface of the building
• Roof sprinklers
• Other physical improvements the insurer considers to reduce structural loss risk (doi.nv.gov)

Amounts and matching

The published expedited-approval ranges include:

• Class-A fire-rated roof: up to 30%
• Enclosed eaves: up to 20%
• Fire-resistant vents: up to 20%
• Fire-proof siding: up to 20%
• Multi-pane windows or qualifying shutters: up to 20%
• Six inches of noncombustible vertical clearance: up to 20%
• Roof sprinklers: up to 15%
• Other physical improvements: up to 15% for each improvement specified within the insurer’s rating plan (doi.nv.gov)

How to apply

This is not a direct state grant application. Homeowners would typically ask their insurer whether a specific mitigation feature qualifies for a wildfire premium discount under the insurer’s Nevada rating plan. (doi.nv.gov)

Timing and deadlines

The official Nevada document does not state an application deadline, open/closed status, or a statewide enrollment window. It is a standing insurer discount framework rather than a one-time funding round. (doi.nv.gov)