By Ben Christopher, CalMatters
The homes in the half-built subdivision look a lot like all the others nestled up against the parched, shrubby hills of Escondido, north San Diego County.
But look a little closer. The gutters and vents are enclosed in a thin, wire mesh. Each window is double-paned, the glass tempered to withstand the heat of a wildfire, the stucco around the shutters resistant to flame. The privacy fences, a suburban staple, look like wood, but are actually brown-tinted steel. Every foundation sits behind a moat of gravel.
RELATED: What is ‘home hardening’? Fire-resistant walls, roofs, windows and landscaping
National mega-developer KB Home is marketing Dixon Trail as the first purpose-built “wildfire resilient neighborhood” in the United States. The next time fire rips through the chaparral in surrounding hills (a question of when, not if) this cluster of homes is being built to keep the flames at the subdivision’s edge.
Though only half of the 64 homes have been constructed, the development had its grand opening earlier this month. No one from KB would say as much, but in purely marketing terms, the timing couldn’t have been better. For years, wildfire-resilient home and neighborhood design has been a niche consideration for many California homeowners. January’s Los Angeles firestorms have made it feel more like an urgent necessity.
“Buyers want to feel safe in their homes and this is a really big plus for them,” said Steve Ruffner, who oversees KB projects across the region.
The design of each house and the layout of the entire subdivision — with healthy buffers between each building and scant flammable vegetation — meet standards set by the Insurance Institute for Business & Home Safety, a research nonprofit funded by the insurance industry. The institute began issuing its “wildfire prepared” designations to homes in 2022. Think organic certification on produce, except for homes built to withstand wildfire.
This is the first time the institute plans to give its stamp of approval to an entire neighborhood.
Building a fire resilient home from scratch is one thing. Bringing older homes up to that heightened standard is a more daunting and costly challenge — and one that California lawmakers at the state and local level are only beginning to grapple with.
Millions of Californians already live in tinderbox canyons and at the edges of shrub fields and overgrown forests. An unknown number live in homes built before 2008, when the state introduced its wildfire-minded building code for new construction in high hazard areas. Some home-hardening retrofits are cheap and DIY-able. Others less so. A report from 2024 by the independent research group Headwater Economics put the cost to harden a two-story, 2,000 square-foot single family home at anywhere from $2,000 to “more than $100,000.”
RELATED: New Bay Area fire-hazard maps: Is your city among those seeing striking increases?
Karen Collins, vice president of the American Property Casualty Insurance Association, calls these retrofits “pre-disaster mitigation” measures. As wildfires grow more severe and costly, these measures can offer “a huge return on investment from what is otherwise spent at the loss,” she said. Translated from insurance speak: Replacing a roof before a fire is cheaper than replacing an entire house afterward.
“But yes, to retrofit and put on new roofs and new siding, that gets into the multiple tens of thousands of dollars, so there’s a public policy trade off,” she said. “Like, how do we do this?”
Some local governments — albeit not many — offer grants and incentives to fire-wary homeowners hoping to make these upgrades.
The insurance industry is beginning to offer discounts to some homeowners who make firewise changes, though the promised savings are often smaller than many homeowners expect or demand.
There aren’t any statewide plans to help harden California’s housing stock en masse, though a pilot project is underway and the Legislature is considering a few other ideas.
RELATED: Why are Californians allowed to keep putting homes where fires burn?
Beyond changes in policy, California homeowners, planners, real estate agents and developers may need to change the way they think about wildfire risk, said Yana Valachovic, a forest health and fire expert with the University of California. Rather than viewing home hardening as a luxury expense, or even a necessary cost that must be begrudgingly assumed, such protections might just need to become standard features of homeownership across the increasingly fire-prone American West.
“It needs to be spoken about in the advertisement of the house, because these are all keys to insurability and the protection of your investment,” said Valachovic. “Fuels management and home hardening are just as important as a remodeled kitchen at this point.”
A fireproof home?
Home-hardening experts try to think like embers in a windstorm.
Open eaves (the cavities beneath a roof’s overhang); vents that lead into an attic; wood decks; wood shingles; wood fences; and any plants, lawn furniture, cars, sheds and trash bins stowed right up against the house — all of these present an inviting array of nooks and crannies in which embers can settle and smolder. Hardening a home means covering them up, replacing material that burns with material that doesn’t, and clearing a five-foot non-combustible buffer around the house, an area state regulators call “zone zero”
Ember-proofing alone isn’t always enough. In urban conflagrations, like the ones in Los Angeles, flames go horizontal in the gale-force winds, turning a burning home into a blow-torch trained upon its neighbors. The sheer heat radiating off of a burning structure can warp and melt window frames 20 feet away.
In those conditions, cement siding and tempered-glass can give a home a fighting chance.
When the Insurance Institute conducted a formal forensic survey in Los Angeles, they found repeated examples of homes where a single double-paned tempered glass window, a stucco wall or a walkway free of decorative plants likely kept the flames at bay.
Experts turn to the surviving homes for lessons after every major fire. In Maui, after the Lahaina waterfront burned in 2023, images of a single red-roofed home, lonely and seemingly untouched, went viral. Reporting later revealed that just prior to the disaster, the homeowners replaced the roof with a thick metal one and removed its surrounding vegetation. They were trying to keep out termites, not flames, but fire doesn’t consider motive.
There may be no such thing as a fire-proof house, but if vulnerability to disaster is a numbers game, home hardening — like seat belts, bike helmets and vaccines — can up the odds of survival.
Pilots and programs
The closest thing California has to a statewide home hardening campaign at the moment is a $117 million pilot project.
The California Wildfire Mitigation Program, run jointly by the California’s Department of Forestry and Fire Protection (Cal Fire) and the governor’s Office of Emergency Services, is funding half a dozen neighborhood-wide retrofits in especially fire-prone and economically distressed corners of the state.
The program seeks to tackle the problem of fire resilience at a community scale. Managing wildfire risk is a bit like managing an infectious disease: There’s only so much a single homeowner can do if their neighbors are unprotected.
The pilot was launched by the legislature in 2019, but is only just beginning to get off the ground. So far, 21 homes have been retrofitted: 19 in Kelseyville, Lake County and two in Dulzura, east of San Diego. Neighborhoods in the Sierra foothills and California’s far north are still working through the start-up and permitting process.
Each house presents its own array of costly challenges. New roofs, new siding, new windows, replacing decks, cleaning brush. “We don’t want to just kinda harden the home,” said Deanna Fernweh, program manager for the Lake County project.
This is new terrain for the state and the pilot has run into plenty of unexpected complications along the way. Fire-resistant materials are a specialty product that can be hard to source, particularly if you need something to be just the right size. Local contractors don’t always know much about fire risk, nor do the local permitting officials. Some counties require construction workers to be paid union-level wages. With most of the money coming from the Federal Emergency Management Agency, the work is also subject to rigorous environmental standards. Any work done in the spring and summer has to wait on nest surveys to ensure that construction doesn’t disturb migratory or endangered birds.
All of that adds to the price tag. The cheapest retrofit so far has come in at roughly $36,000, said J. Lopez, executive director of the statewide program. That was a tidy, well-maintained home in Kelseyville. The most expensive so far was $110,000. At current funding levels, the program is on track to harden roughly 2,000 homes.
That’s not likely to put a noticeable dent in the total number of vulnerable homes across the state. But Lopez said part of the goal of the pilot is to figure out just how expensive, delay-ridden and generally annoying it is to harden a neighborhood — and then figure out ways to make it all less so.
“When the VCR first came out, I think the first ones were about $1,500,” he said. “I leave it to American ingenuity to come up with solutions — and we are part of that, helping move that along.”
RELATED: Berkeley moves to make homeowners in severe fire-risk areas clear five-foot ‘Zone 0’ around homes
The pilot is currently set to expire in 2029, though the Legislature is considering a bill to make it permanent. Future funding remains an open question. So far FEMA’s Hazard Mitigation Assistance Grant program, which provides much of the funding for the California program, has been spared the cuts that have felled other emergency response and preparedness initiatives under the Trump administration.
Legislators may also take up legislation this year to shave off some of the tax revenue the state currently collects from property insurers and redirect it toward a grant program for fire-resistant roofs and vegetation management work. Another bill would create a “Community Hardening Commission” inside the state’s Department of Insurance to be tasked with recommending new home hardening rules and improving old ones. A third bill would create a state-run home hardening certification program, with the hope being that insurers will be more likely to cover a home with the state’s imprimatur.
“Almost everyone knows what the things are that we have to do with home hardening,” Assemblymember Steve Bennett, an Oxnard Democrat and the author of that certification bill, said at a budget committee hearing in February. “We’ve talked about it and talked about it, but we’re not really making much progress.”
Locals step up
Absent a comprehensive statewide hardening program, some cities are trying to fill the gaps.
In 2020, Marin County voted overwhelmingly to tax itself to fund a countywide wildfire prevention program. The program shells out roughly $20 million each year on individualized home safety assessments, home hardening and vegetation clearing grants and evacuation route clearing operations.
In the city of Novato, the local fire district has used those funds to inspect every house in town. Homeowners can apply for matching grants — up $1,500 for home hardening and $1,000 for brush clearing.
Sometimes that’s enough to cover the cost of the work. Vent screens aren’t expensive, and vegetation management can be cheap if a homeowner is willing to do the work themselves.
But often the grants aren’t nearly enough to cover all the called-for work. In Novato at least, a financial nudge is often all that people need, said Fire Marshal Lynne Osgood. According to data collected by the fire district over the last fiscal year, the city doled out half a million dollars in these matching grants to fund home-hardening projects; homeowners spend four times that amount.
“(Novato homeowners) are getting pressure from the insurance companies, they’re seeing, year after year, major conflagrations where thousands upon thousands of people are losing their homes,” Osgood said. “They are highly motivated.”
Where Marin County is offering carrots, other cities are using sticks. Across the Bay, the city of Berkeley just passed its own “zone zero” regulations which will require hill-dwelling residents to keep the five feet around their homes free of plants, wood fencing and other flammable odds and ends. The new policy will go into effect at the beginning of next year when it will be enforced with the possibility of daily fines.
That’s a few years ahead of the rest of the state. Cal Fire is scrambling to cobble together specific “zone zero” regulations for all high hazard areas, something a state law directed them to do by 2023. In February, Gov. Gavin Newsom issued an executive order directing the department to “accelerate” its regulatory process and produce a final rule by the end of the year. The most recent draft of the regulations would give homeowners three years to comply.
‘Do this or you’re done’
Byers Enterprises has run a steady roofing business out of Grass Valley, just west of the Tahoe National Forest, since the late 1980s. In 2022, it started a specific division for home hardening.
“We’re seeing a real groundswell of interest,” said Jeff Fierstein, the company’s general manager. Some of that interest is due to the Los Angeles fires, which put fire risk top of mind for many.
But he said roughly half of his customers are turning to him out of duress. “The insurance companies are saying ‘Do this or you’re done,’” he said.
Not every fire-prone jurisdiction has Marin’s resources or Berkeley’s political appetite for new mandates. For the majority of Californians living in the so-called wildland urban interface, the most powerful nudge toward home hardening comes in the form of an insurance company’s premium hike or non-renewal notice.
A regulation from 2023 is forcing California insurers to offer discounts to homeowners who make certain home hardening investments or join Firewise communities, voluntary neighborhood disaster preparedness groups. But the approval process has been slow, the discounts vary from carrier to carrier, the requirements coming from insurers don’t always match the state’s own standards and the savings on offer are, according to some, miserly.
California property insurers are not in an especially discounting mood. After a decade of staggering wildfire-related losses, surging inflation and what the industry has long characterized as a sclerotic regulatory environment that doesn’t allow them to cover their costs, many carriers are looking for any excuse to drop California customers.
That dour climate might begin to change soon, said Janet Ruiz, a spokesperson for the industry association, the Insurance Information Institute. The state’s Department of Insurance is rolling out a series of policy changes aimed at enticing insurers back into the market. That overhaul “should bring more insurance companies into writing more policies,” putting them on a stronger financial footing and making them more willing to cut certain homeowners a break.
Even with the right regulations in place, insurers aren’t known for embracing change, said Dave Jones, California’s former Department of Insurance head who now runs the Climate Risk Initiative at UC Berkeley’s law school.
Earlier this month, Jones and the nonprofit Nature Conservancy released a new, first-of-its-kind insurance policy for Tahoe-Donner, one of the country’s largest homeowners associations. In exchange for years of tree thinning and brush clearing work, the Truckee-based HOA will receive nearly 40% off on its insurance policy.
“It’s a very conservative industry,” he said. “You need to show them that an insurer is able to (make money doing this) before others will follow suit.”
The upside: The new policy shows that at least one insurer — in this case, Globe Underwriting, based in London — believes it can account for the reduced risk that comes with certain wildfire mitigation efforts and then pass some of those savings onto customers.
The downside: The policy only covers commonly held land, not individual homes and, at least for now, the Nature Conservancy is footing the $55,000 annual premium.
“The big success here is that the insurance policy was written at all because this is an area where insurers are pulling out and it was written because of the forest treatment work that the homeowners association is undertaking,” said Jones.
Whether it’s forest management programs, zone zero mandates or home hardening grants, the public is only going to support these taxpayer-funded initiatives if they start to open up the insurance market and bring down premiums, he said.
“Part of what we’re trying to do here is demonstrate that this can be done, convince insurers to do it, but also continue to build public support for these necessary investments,” said Jones. “Because this stuff is not inexpensive to do.”
