FAIR Plan adds discounts for wildfire safety work
The California FAIR Plan announced discounts for home hardening, including keeping a 5-foot ember-resistant zone around the house. They started August 23, 2023.
The 5-foot item includes fencing within 5 feet of the house.
The FAIR Plan's current list has 12 discounts. All 12 together take up to 16.4% off the wildfire part of a dwelling fire premium, for policies dated November 15, 2025 or later.
What it means for you
- If you have a FAIR Plan policy, a clear 5 feet can already lower the wildfire part of your premium.
Added to this site on October 10, 2026.
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Sources
- FAIR Plan to offer new discounts for homeowners taking steps to protect against wildfire, California FAIR Plan, July 26, 2023
- Discounts for dwelling fire and commercial policies, California FAIR Plan, November 15, 2025
More updates
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Still no statewide Zone 0 rule
As of October 10, 2026, the state's list of emergency rules under review has nothing from the Board of Forestry. The statewide rule is not law. Some cities, like San Diego and Berkeley, have their own.
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State pulls Zone 0 rules back before a ruling
The Board of Forestry withdrew its Zone 0 rules from final state review on September 8, 2026, before the Office of Administrative Law ruled on them. The rules never took effect.
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Board of Forestry adopts Zone 0 rules
On August 19, 2026, the Board of Forestry adopted emergency rules for the 5 feet around homes in fire zones. They still needed state approval to take effect.