High-Value Insurance Guide

Wildfire Home-Hardening: A Defensible-Space Checklist

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Quick answer: You reduce wildfire risk by hardening the home with ember-resistant materials and by creating defensible space, managed vegetation zones around the structure. These steps protect the home, help you secure coverage in higher-risk areas, and often earn mitigation credits on your premium.

Defensible Space, Explained

Most homes lost to wildfire are ignited by wind-blown embers, not a wall of flame. Hardening the structure and managing the area around it in defined zones gives your home the best chance of surviving and signals to insurers that the risk is being actively managed.

  1. Zone 0 (0–5 feet): keep the area immediately around the home noncombustible, no mulch, plants, or stored items against the walls.
  2. Zone 1 (5–30 feet): lean, clean, and green, well-spaced, well-irrigated plantings and no ladder fuels.
  3. Zone 2 (30–100 feet): reduce and space vegetation to break up the path of a fire.
  4. Harden the structure: ember-resistant roof, gutters, and siding, and screen vents and openings to block embers.
  5. Maintain it: clear roofs and gutters of debris and keep zones managed through the season.

Frequently Asked Questions

Does homeowners insurance cover wildfire?
Wildfire is generally a covered peril, but in high-risk areas coverage can be limited or harder to place, which is where mitigation and specialty markets matter. See our wildfire coverage page.
What is defensible space?
Managed vegetation and noncombustible zones around your home, typically defined in bands from the structure outward, that slow or stop an approaching fire.
Do mitigation steps lower my premium?
Often yes. Ember-resistant construction and maintained defensible space can earn mitigation credits and improve your ability to secure coverage.
Can I get coverage in a high wildfire-risk area?
Frequently yes, through specialty and surplus-lines markets, particularly when the home is hardened and defensible space is in place.

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