Wildfire Risk Scores and Mitigation Discounts in Colorado
We’re committed to helping members understand the unique risks they face and protect what matters most. Taking steps to reduce your home’s risk to wildfire may not only strengthen its resilience but can also help to lower your insurance premium.
What is a wildfire risk score?
Wildfire risk scores estimate how likely a property is to experience wildfire damage. It considers things like location, building features and any protective measures in place (also referred to as mitigation). Scores can range from 1-100 and are one of the factors insurers use when determining your premium.
How mitigation can improve your risk
While some of the risks that impact your wildfire score—like location—may be beyond your control, there are often steps you can take to reduce your home’ exposure, like creating defensible space, using ember resistant venting and installing an exterior fire protection system, among other techniques. Depending on your wildfire risk score, insurers may recommend or even require that you complete certain mitigation measures.
How mitigation may impact your premium
If you take steps to reduce your home’s risk to wildfire, you may qualify for mitigation discounts. A few things to keep in mind:
- Discounts typically only apply to the wildfire portion of your premium, not your total premium
- Some discounts may require a combination of mitigation measures
What if I don’t agree with my wildfire risk score?
If you don’t agree with the information we currently have for your property, you have the right to appeal. Appeals must be acknowledged within 10 days and responded to within 30 days. If approved, updates will be reflected in the premium calculation of your renewal offer and also in the reconsideration of eligibility for renewal.
How to submit an appeal
Email your request to [email protected] and include any supporting documentation, such as photos, invoices, certifications, or other proof of mitigation work.
After submitting, you’ll be asked to complete a Colorado Wildfire Appeal Intake form explaining your request. Appeals must include supporting documentation, otherwise, they will be denied.
