Wildfire Prepared Home designation program

How it works

The Washington Office of the Insurance Commissioner says the Wildfire Prepared Home program helps homeowners in high-risk areas make their properties more resistant to wildfires. The program is based on science-backed mitigation steps developed by the Insurance Institute for Business and Home Safety (IBHS).

What the homeowner gets

This is a designation program, not a cash payment. IBHS issues a designation certificate after the home meets the program requirements. The state page describes it as a way to lower risk and improve resilience during wildfire season.

What the program covers

The program is built around wildfire risk-reduction actions at the parcel level. The IBHS technical standard requires homeowners to complete mitigation work, submit photos, and have documentation verified before a designation is issued. The Washington page points homeowners to the program as a practical way to harden a home against wildfire.

Timing and status in Washington

IBHS expanded the Wildfire Prepared Home designation program to Washington in April 2026. The Washington insurance page says the designation is available in the state now, and it does not list an end date or application deadline.