{
  "dataset": "WUI Code & Wildfire Insurance Tracker",
  "publisher": "Western Wildfire Defense",
  "url": "https://western-wildfire-defense.com/tracker/",
  "license": "CC BY 4.0 (attribution required): https://creativecommons.org/licenses/by/4.0/",
  "generated": "2026-06-11",
  "states": [
    {
      "slug": "california",
      "name": "California",
      "last_verified": "2026-06-11",
      "code_status": "statewide-mandatory",
      "code_summary": "California is one of only two states (with Colorado) with a mandatory wildfire building code in effect statewide as of April 2026. New construction in mapped Fire Hazard Severity Zones must meet the wildland-urban interface construction standards of California Building Code Chapter 7A and Residential Code Section R337. State law also imposes defensible space requirements directly on property owners in State Responsibility Areas, and a Zone 0 ember-resistant perimeter rule is in rulemaking but not yet adopted.",
      "code_statutes": [
        "PRC 4291 (defensible space, 100 feet, State Responsibility Areas) - https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PRC&sectionNum=4291",
        "California Building Code Chapter 7A and California Residential Code R337 (WUI construction standards for new buildings in Fire Hazard Severity Zones) - https://osfm.fire.ca.gov/what-we-do/code-development-and-analysis/wildland-hazards-and-building-codes",
        "AB 3074 (2020) (Zone 0 ember-resistant zone statute; rulemaking by the Board of Forestry and Fire Protection) - https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB3074"
      ],
      "code_history": [
        {
          "date": "2008-01",
          "event": "Chapter 7A WUI construction standards took effect for new construction in designated fire hazard zones.",
          "source": "https://osfm.fire.ca.gov/what-we-do/code-development-and-analysis/wildland-hazards-and-building-codes"
        },
        {
          "date": "2020-09",
          "event": "AB 3074 signed, directing creation of a Zone 0 ember-resistant zone (0 to 5 feet) requirement.",
          "source": "https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB3074"
        },
        {
          "date": "2025-02",
          "event": "Executive Order N-18-25 directed the Board of Forestry to complete Zone 0 rulemaking by December 31, 2025.",
          "source": "https://oaklandfiresafecouncil.org/zone-0-when-the-deadline-passed-and-what-that-means-now/"
        },
        {
          "date": "2025-12",
          "event": "Zone 0 rulemaking paused past the statutory deadline; advisory committee work resumed in 2026.",
          "source": "https://www.wildfirela.org/2025/12/10/board-of-forestry-pauses-zone-0-decision/"
        },
        {
          "date": "2026-04",
          "event": "Board of Forestry subcommittee released an updated Zone 0 draft with a phased, education-first implementation over five years. Confirmed as one of two states with mandatory statewide wildfire codes in effect.",
          "source": "https://coastsidebuzz.com/california-board-of-forestry-and-fire-protection-releases-latest-draft-of-zone-0-defensible-space-regulations-prioritizing-education-and-outreach-not-penalties/"
        }
      ],
      "defensible_space_law": "PRC 4291 requires 100 feet of defensible space around all structures in State Responsibility Areas: Zone 1 (0-30 ft) and Zone 2 (30-100 ft). A Zone 0 (0-5 ft ember-resistant) requirement under AB 3074 remains in rulemaking as of June 2026; the April 2026 draft proposes phased implementation prioritizing education over penalties. Non-compliance with PRC 4291 can carry fines and affects insurance.",
      "statewide_programs": [
        "ca-safe-homes",
        "ca-cwmp"
      ],
      "insurance_summary": "The California Department of Insurance recorded 788,485 homeowners policy non-renewals statewide in 2023; non-renewals outnumbered new policies written in 46 of 58 counties. FAIR Plan residential policies grew from 242,440 in September 2021 to 642,010 in September 2025, a 165 percent increase, and the plan's total exposure reached 650 billion dollars in June 2025. The Safer from Wildfires regulation (2022) requires insurers that price wildfire risk to credit documented mitigation.",
      "insurance_sources": [
        "https://www.insurance.ca.gov/01-consumers/200-wrr/upload/CDI-Fact-Sheet-Summary-on-Residential-Insurance-Policies-and-the-FAIR-Plan-v-011325-2.pdf",
        "https://www.cfpnet.com/key-statistics-data/",
        "https://www.moneygeek.com/insurance/homeowners/california-wildfire-fair-plan-insurer-retreat/"
      ],
      "counties": [
        {
          "slug": "sonoma",
          "name": "Sonoma County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "New construction in the WUI and State Responsibility Area must meet CBC Chapter 7A and CRC R337, enforced through Permit Sonoma. The county layers its own Fire Safe Standards (Sonoma County Code Chapter 13) and vegetation management and defensible space requirements (Chapter 13A) on the state baseline, with local amendments including allowances for certain fire-retardant-treated wood products that meet testing criteria.",
          "local_code_sources": [
            "https://permitsonoma.org/divisions/firepreventionandhazmat/wildfireriskreductionandpreparation/wildlandurbaninterface",
            "https://library.municode.com/ca/sonoma_county/codes/code_of_ordinances?nodeId=CH13SOCOFISAOR"
          ],
          "hazard_context": "Substantial areas of the county are designated High and Very High Fire Hazard Severity Zones. CAL FIRE's 2025 Local Responsibility Area map update expanded designated zones, and local agencies must designate zones by ordinance within 120 days of State Fire Marshal recommendations under Government Code 51179.",
          "programs": [
            "soco-adapts"
          ],
          "insurance_notes": "Sonoma County contains some of the Bay Area's highest non-renewal areas: in CDI's 2023 data, more than a quarter of policies in the Rio Nido ZIP code were non-renewed, the highest rate among Bay Area ZIP codes with over 50 policies, with Jenner also in the top ten. The median county premium reached 1,851 dollars in 2024, up roughly 30 percent over ten years, and FAIR Plan policyholders in one Santa Rosa ZIP code average about 6,400 dollars per year.",
          "insurance_sources": [
            "https://abc7news.com/post/california-home-insurance-renewals-here-are-top-bay-area-neighborhoods-affected/15846687/",
            "https://www.sonomanews.com/2025/12/20/north-bay-counties-have-seen-some-of-highest-home-insurance-rate-increases-in-past-decade/"
          ],
          "service_page_links": [
            "/states/california/sonoma/"
          ]
        },
        {
          "slug": "marin",
          "name": "Marin County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "Marin County adopted the 2025 California Wildland-Urban Interface Code with local amendments through Ordinance No. 3838 (approved December 9, 2025), including a stricter limit on fire-retardant-treated wood as exterior wall material in WUI and Fire Hazard Severity Zones (Marin County Code 19.04.064). Supervisors moved in early 2026 to realign the siding restriction with the state code. Defensible space must be maintained at all times on WUI parcels, with growing emphasis on the 0 to 5 foot Zone 0 perimeter.",
          "local_code_sources": [
            "https://www.marincounty.gov/news-releases/building-code-amendments-headed-supervisors-dais",
            "https://www.marincounty.gov/departments/fire/fire-prevention-and-investigation/read-standards-and-ordinances"
          ],
          "hazard_context": "CAL FIRE's 2025 Fire Hazard Severity Zone maps designate moderate, high, and very high zones across Marin's Local Responsibility Areas; local agencies must adopt the designations by ordinance under Government Code 51179(a). Marin fire agencies administer WUI parcel requirements through district-level programs.",
          "programs": [
            "marin-mwpa",
            "san-rafael-fd"
          ],
          "insurance_notes": "Marin's median homeowners premium was the North Bay's highest at 2,658 dollars in 2024, up about 27 percent over ten years. Carrier pullbacks have moved more Marin homes to the FAIR Plan, whose statewide exposure reached 650 billion dollars in June 2025.",
          "insurance_sources": [
            "https://www.sonomanews.com/2025/12/20/north-bay-counties-have-seen-some-of-highest-home-insurance-rate-increases-in-past-decade/"
          ],
          "service_page_links": [
            "/states/california/"
          ]
        },
        {
          "slug": "los-angeles",
          "name": "Los Angeles County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "Los Angeles County enforces wildfire construction and clearance through County Fire Code Title 32, including Chapter 49 requirements for Wildland-Urban Interface fire areas and Appendix P and PP provisions for Very High Fire Hazard Severity Zones. Rebuilding after the January 2025 Palisades and Eaton fires must meet current Chapter 7A and WUI standards before construction begins.",
          "local_code_sources": [
            "https://library.municode.com/ca/los_angeles_county/codes/code_of_ordinances?nodeId=TIT32FICO",
            "https://abcsocal.org/rebuilding-in-fire-damaged-los-angeles-codes-costs-and-community-recovery/"
          ],
          "hazard_context": "Pacific Palisades sits almost entirely within mapped Wildland-Urban Interface. CAL FIRE's 2025 map update classifies more than a million additional acres statewide as high or very high hazard, expanding the area subject to WUI construction standards in the county.",
          "programs": [],
          "insurance_notes": "After the January 2025 fires, mandatory one-year CDI moratoriums barred wildfire-related non-renewals in and adjacent to affected ZIP codes (Insurance Code 675.1), and State Farm paused pending non-renewals in Los Angeles County and offered renewal options to affected policyholders. Statewide FAIR Plan exposure was an estimated 458 billion dollars as of September 2024, rising to 650 billion dollars by June 2025.",
          "insurance_sources": [
            "https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm",
            "https://www.cfpnet.com/key-statistics-data/"
          ],
          "service_page_links": [
            "/states/california/los-angeles/"
          ]
        },
        {
          "slug": "san-diego",
          "name": "San Diego County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "San Diego County consolidated its wildfire construction and defensible space rules into the 2026 San Diego County Consolidated WUI Fire Code (1st Edition). The county defensible space ordinance requires clearance within 100 feet of structures (reducible to no less than 30 feet by the Fire Warden), structured as a 0 to 5 foot hardscape zone, irrigated low-growth fire-resistant planting from 5 to 50 feet, and managed medium-height planting from 50 to 100 feet.",
          "local_code_sources": [
            "https://www.sandiegocounty.gov/content/sdc/sdcfa/2026-san-diego-county-consolidated-fire-code.html",
            "https://www.sandiegocounty.gov/content/sdc/sdcfa/prevention/defensible-space.html"
          ],
          "hazard_context": "Extensive areas of the unincorporated county are designated Very High Fire Hazard Severity Zones under CAL FIRE mapping; the 2026 Consolidated WUI Code applies county fire authority standards across those areas.",
          "programs": [],
          "insurance_notes": "County-specific non-renewal figures publish through CDI data calls; statewide, CDI's 2023 data shows non-renewals outnumbered new policies in 46 of 58 counties, and FAIR Plan residential policies grew 165 percent statewide from September 2021 to September 2025. County-level FAIR Plan policy counts are published in the FAIR Plan's policies-in-force tables by county.",
          "insurance_sources": [
            "https://www.moneygeek.com/insurance/homeowners/california-wildfire-fair-plan-insurer-retreat/",
            "https://www.cfpnet.com/key-statistics-data/"
          ],
          "service_page_links": [
            "/states/california/san-diego/"
          ]
        },
        {
          "slug": "el-dorado",
          "name": "El Dorado County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "El Dorado County requires 100 feet of defensible space under County Code Chapter 8.09 alongside CBC Chapter 7A construction standards for WUI properties, with outbuilding and LPG tank clearance rules (10 feet to bare mineral soil plus 10 feet of no flammable vegetation). AB 38 defensible space inspections apply to real estate transfers in high hazard zones, administered through local fire agencies.",
          "local_code_sources": [
            "https://www.eldoradocounty.ca.gov/files/assets/county/v/3/documents/land-use/building-services-documents/forms-checklist-tab/pr-defensible-space-guide.pdf",
            "https://www.eldoradocountyfire.com/files/460f3939b/AB38+Form.pdf"
          ],
          "hazard_context": "Much of the county lies in High and Very High Fire Hazard Severity Zones under CAL FIRE mapping. The 2021 Caldor Fire burned through Grizzly Flats and surrounding communities, and county planning documents center wildfire hazard in the safety element.",
          "programs": [],
          "insurance_notes": "County-specific non-renewal figures publish through CDI data calls; statewide, CDI recorded 788,485 homeowners non-renewals in 2023 and non-renewals outnumbered new policies in 46 of 58 counties. The El Dorado County Fire Protection District actively promotes Safer from Wildfires mitigation discounts to residents.",
          "insurance_sources": [
            "https://www.moneygeek.com/insurance/homeowners/california-wildfire-fair-plan-insurer-retreat/",
            "https://www.eldoradocountyfire.com/safer-from-wildfires-initiative-insurance-discounts"
          ],
          "service_page_links": [
            "/states/california/el-dorado/"
          ]
        }
      ],
      "changelog": [
        {
          "date": "2026-06-11",
          "entry": "State record seeded."
        },
        {
          "date": "2026-06-11",
          "entry": "Verified Chapter 7A/R337 citations and Zone 0 rulemaking status (December 2025 statutory deadline missed; April 2026 phased draft). Added sourced statewide insurance figures from CDI and FAIR Plan data. Published county records for Sonoma, Marin, Los Angeles, San Diego, and El Dorado.",
          "source": "Per-field source links in this file."
        }
      ]
    },
    {
      "slug": "colorado",
      "name": "Colorado",
      "last_verified": "2026-06-11",
      "code_status": "statewide-mandatory",
      "code_summary": "Colorado is one of only two states (with California) with a mandatory wildfire code framework in effect statewide as of April 2026. The Wildfire Resiliency Code Board, created by SB23-166 (2023), adopted the Colorado Wildfire Resiliency Code on July 1, 2025. Local governments with jurisdiction in mapped wildland-urban interface areas were required to adopt a code meeting or exceeding the board's minimums by April 1, 2026, with full compliance by July 1, 2026. Requirements scale with mapped fire intensity classifications (Low, Moderate, High) and cover structure hardening and defensible space.",
      "code_statutes": [
        "SB23-166 (2023), establishing the Wildfire Resiliency Code Board - https://leg.colorado.gov/bills/sb23-166",
        "Colorado Wildfire Resiliency Code (adopted July 1, 2025; local adoption deadline April 1, 2026; compliance July 1, 2026) - https://dfpc.colorado.gov/colorado-wildfire-resiliency-code"
      ],
      "code_history": [
        {
          "date": "2023-05",
          "event": "SB23-166 signed, creating the Wildfire Resiliency Code Board within the Division of Fire Prevention and Control.",
          "source": "https://www.iccsafe.org/about/periodicals-and-newsroom/colorado-governor-signs-bill-establishing-new-wildfire-resiliency-code-board/"
        },
        {
          "date": "2025-07",
          "event": "Wildfire Resiliency Code Board adopted the statewide code.",
          "source": "https://dfpc.colorado.gov/colorado-wildfire-resiliency-code"
        },
        {
          "date": "2026-04",
          "event": "Deadline for WUI jurisdictions to adopt the code (or stronger). Confirmed as one of two states with mandatory statewide wildfire codes in effect.",
          "source": "https://dfpc.colorado.gov/colorado-wildfire-resiliency-code"
        },
        {
          "date": "2026-07",
          "event": "Full compliance deadline for WUI jurisdictions.",
          "source": "https://www.greenhomebuildermag.com/new-colorado-wildfire-resiliency-code-will-take-effect-july-1/"
        }
      ],
      "defensible_space_law": "Colorado has no standalone statewide defensible space statute equivalent to California's PRC 4291. Defensible space requirements arrive through the Colorado Wildfire Resiliency Code, which applies structure hardening and defensible space standards to parcels in designated Wildfire Hazard Areas according to their mapped fire intensity classification (Low, Moderate, High), enforced by local jurisdictions.",
      "statewide_programs": [],
      "insurance_summary": "Colorado homeowners premiums rose about 58 percent from 2018 to 2023, the fourth highest average in the nation at roughly 4,600 dollars per year, with wildfire risk driving availability problems in foothills communities and hail driving affordability. The Colorado FAIR Plan, created by 2023 legislation, began accepting applications April 10, 2025; eligibility requires three private-market declinations and policies pay actual cash value.",
      "insurance_sources": [
        "https://www.cpr.org/2024/12/27/colorado-homeowners-insurance-going-up-blame-natural-disasters/",
        "https://www.coloradofairplan.com/eligibility",
        "https://coloradosun.com/2025/07/14/colorado-fair-plan-applications-launch/"
      ],
      "counties": [
        {
          "slug": "boulder",
          "name": "Boulder County",
          "publishable": true,
          "last_verified": "2026-06-11",
          "local_code_status": "adopted-amended",
          "local_code_notes": "Boulder County embeds wildfire mitigation requirements in its land use regulations and building code, specifying when new construction, additions, and retrofits trigger mitigation in mapped wildfire zones; the City of Boulder maintains its own Wildland Urban Interface code. As a WUI jurisdiction, the county is subject to the statewide Wildfire Resiliency Code adoption deadline of April 1, 2026 and compliance deadline of July 1, 2026.",
          "local_code_sources": [
            "https://bouldercounty.gov/disasters/wildfires/mitigation/wildfire-mitigation-code-requirements/",
            "https://bouldercolorado.gov/wildland-urban-interface-code"
          ],
          "hazard_context": "The December 2021 Marshall Fire, the most destructive in Colorado history, destroyed more than 1,000 structures in Boulder County's grassland wildland-urban interface; county hazard mapping drives parcel-level mitigation requirements.",
          "programs": [
            "boulder-wildfire-partners"
          ],
          "insurance_notes": "Allstate issued cancellation letters to Colorado homeowners in late 2024 with a January 11, 2025 deadline to complete extensive wildfire and hail mitigation or lose coverage, and state regulators report top insurers writing fewer policies in foothills communities. Boulder County's Wildfire Partners certificate is accepted by Allstate, State Farm (for existing customers), and USAA as proof of mitigation, depending on certificate date.",
          "insurance_sources": [
            "https://www.cpr.org/2024/12/27/colorado-homeowners-insurance-going-up-blame-natural-disasters/",
            "https://wildfirepartners.org/general-faq/"
          ],
          "service_page_links": [
            "/states/colorado/boulder/"
          ]
        }
      ],
      "changelog": [
        {
          "date": "2026-06-11",
          "entry": "State record seeded."
        },
        {
          "date": "2026-06-11",
          "entry": "Verified SB23-166 and Wildfire Resiliency Code citations and dates (board adoption July 1, 2025; local adoption April 1, 2026; compliance July 1, 2026). Added sourced insurance summary and published the Boulder County record.",
          "source": "Per-field source links in this file."
        }
      ]
    },
    {
      "slug": "utah",
      "name": "Utah",
      "last_verified": "2026-06-11",
      "code_status": "statewide-pending",
      "code_summary": "Utah's HB 48 (2025), effective January 1, 2026, requires cities and counties with mapped wildland-urban interface areas to adopt and enforce fire-safety building and landscaping standards. The International Wildland-Urban Interface Code is adopted within the State Construction Code, with WUI areas mapped by local fire marshals or the authority having jurisdiction. Implementation is phasing in: per-structure fee provisions run on a 2026 to 2028 schedule, and local adoption status varies by jurisdiction while the framework rolls out. This page tracks adoption as it happens.",
      "code_statutes": [
        "HB 48 (2025), Wildland Urban Interface Modifications, effective January 1, 2026 - https://le.utah.gov/Session/2025/bills/introduced/HB0048.pdf",
        "Utah State Construction Code, Title 15A (IWUIC adoption) - https://le.utah.gov/xcode/Title15A/Chapter4/15A-4-S107.html"
      ],
      "code_history": [
        {
          "date": "2025-03",
          "event": "HB 48 (Wildland Urban Interface Modifications) enacted.",
          "source": "https://ffsl.utah.gov/wuirisk/"
        },
        {
          "date": "2026-01",
          "event": "HB 48 effective date; WUI fire-safety building and landscaping standards must be adopted and enforced by cities and counties with mapped WUI areas.",
          "source": "https://saltlakecountyem.gov/utah-hb-48-wildland-urban-interface-modifications/"
        }
      ],
      "defensible_space_law": "Utah has no standalone statewide defensible space statute applying directly to existing homes. Defensible space and landscaping standards arrive through HB 48's required local adoption of WUI fire-safety standards, applied in mapped WUI areas by local jurisdictions.",
      "statewide_programs": [],
      "insurance_summary": "NEEDS_VERIFICATION: Utah insurance market conditions from state DOI",
      "insurance_sources": [],
      "counties": [],
      "changelog": [
        {
          "date": "2026-06-11",
          "entry": "State record seeded; county records pending the local-adoption tracking sweep."
        },
        {
          "date": "2026-06-11",
          "entry": "Corrected the seeded 2029 local-adoption deadline: HB 48 (2025) requires WUI fire-safety standards to be adopted and enforced beginning January 1, 2026, with fee provisions phasing 2026 to 2028. Added statute citations.",
          "source": "https://saltlakecountyem.gov/utah-hb-48-wildland-urban-interface-modifications/"
        }
      ]
    }
  ],
  "programs": [
    {
      "id": "ca-safe-homes",
      "name": "California Safe Homes",
      "administrator": "California Department of Insurance",
      "jurisdiction": "state",
      "funding_status": "open",
      "status_date": "2026-06-11",
      "amounts": "Individual grant caps not yet published; the program launched with an initial 3 million dollar state appropriation. Cities, counties, and special districts may also apply.",
      "eligibility": "Low- and moderate-income homeowners (per state housing income limits) in high or very high wildfire risk areas, insured through an admitted carrier or the FAIR Plan",
      "covers": [
        "fire-resistant roofs",
        "Zone 0 ember-resistant perimeter (0-5 ft)",
        "defensible space"
      ],
      "deadlines": "Application portal expected to open in spring 2026 per CDI; confirm current window with the program",
      "apply_url": "NEEDS_VERIFICATION: official CDI program URL",
      "source": "California Safe Homes Act (AB 888), effective January 1, 2026; https://calmatters.org/economy/2026/01/california-safe-homes-grants/ and https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release079-2025.cfm",
      "notes": "Established by AB 888 within the Department of Insurance. Funds fire-resistant roofs and fire-safe mitigation within five feet of the home (Zone 0).",
      "changelog": [
        {
          "date": "2026-01-15",
          "entry": "Program launched.",
          "source": "CDI / CalMatters"
        },
        {
          "date": "2026-06-11",
          "entry": "Verified statutory basis (AB 888), initial 3 million dollar appropriation, eligibility criteria, and spring 2026 application timeline.",
          "source": "https://calmatters.org/economy/2026/01/california-safe-homes-grants/"
        }
      ]
    },
    {
      "id": "ca-cwmp",
      "name": "California Wildfire Mitigation Program (CWMP)",
      "administrator": "Cal OES and CAL FIRE (joint)",
      "jurisdiction": "state",
      "funding_status": "open",
      "status_date": "2026-06-11",
      "amounts": "Community-scale; not a direct homeowner application in most cases. NEEDS_VERIFICATION on current cycle details.",
      "eligibility": "Federal funding for community-scale home hardening; priority to very high fire hazard severity zones and socially vulnerable communities",
      "covers": [
        "home hardening",
        "community-scale mitigation"
      ],
      "deadlines": "NEEDS_VERIFICATION",
      "apply_url": "NEEDS_VERIFICATION",
      "source": "FEMA in collaboration with Cal OES; CAL FIRE program pages",
      "notes": "",
      "changelog": []
    },
    {
      "id": "marin-mwpa",
      "name": "Marin Wildfire Prevention Authority Defensible Space & Home Hardening Grants",
      "administrator": "Marin Wildfire Prevention Authority (MWPA)",
      "jurisdiction": "regional:marin",
      "funding_status": "unknown",
      "status_date": "2026-06-11",
      "amounts": "NEEDS_VERIFICATION: current cycle amounts (program launched 2022 at $500,000 total; verify current funding)",
      "eligibility": "Marin residents who complete a home and property evaluation from their local fire agency",
      "covers": [
        "defensible space",
        "home hardening"
      ],
      "deadlines": "NEEDS_VERIFICATION: current fiscal year window",
      "apply_url": "NEEDS_VERIFICATION: MWPA grants page",
      "source": "MWPA / Town of San Anselmo announcements",
      "notes": "Two grant categories: Defensible Space and Home Hardening. Evaluation-first model; over 80% of assessed properties had qualifying risks in early program data.",
      "changelog": []
    },
    {
      "id": "san-rafael-fd",
      "name": "San Rafael Fire Department Home Hardening Grants",
      "administrator": "San Rafael Fire Department",
      "jurisdiction": "city:san-rafael",
      "funding_status": "unknown",
      "status_date": "2026-06-11",
      "amounts": "Up to $15,000 per parcel over a 10-year period",
      "eligibility": "San Rafael parcels; gradual defensible space and home hardening improvements. NEEDS_VERIFICATION on criteria.",
      "covers": [
        "defensible space",
        "home hardening"
      ],
      "deadlines": "NEEDS_VERIFICATION",
      "apply_url": "NEEDS_VERIFICATION",
      "source": "San Rafael FD program reporting",
      "notes": "",
      "changelog": []
    },
    {
      "id": "soco-adapts",
      "name": "SoCo Adapts (Sonoma County)",
      "administrator": "Permit Sonoma",
      "jurisdiction": "county:sonoma",
      "funding_status": "paused",
      "status_date": "2026-06-11",
      "amounts": "Rebates up to $10,000 (FEMA-funded)",
      "eligibility": "Sonoma County properties; wildfire-hardening upgrades. NEEDS_VERIFICATION on income/parcel criteria.",
      "covers": [
        "home hardening",
        "fire-resistant siding",
        "Class A roofing"
      ],
      "deadlines": "Grant activities pause after 2026-09-30",
      "apply_url": "NEEDS_VERIFICATION: Permit Sonoma program URL",
      "source": "Permit Sonoma; pause tied to FEMA's discontinuation of the BRIC program",
      "notes": "Status here is the kind of change the tracker exists to catch: rebates up to $10K, pausing after September 30, 2026 due to federal BRIC discontinuation.",
      "changelog": [
        {
          "date": "2026-06-11",
          "entry": "Marked paused-after-2026-09-30 per Permit Sonoma announcement tied to FEMA BRIC discontinuation."
        }
      ]
    },
    {
      "id": "boulder-wildfire-partners",
      "name": "Wildfire Partners (Boulder County)",
      "administrator": "Boulder County",
      "jurisdiction": "county:boulder",
      "funding_status": "open",
      "status_date": "2026-06-11",
      "amounts": "Assessment and certification program; cost-share for mitigation work varies by funding cycle. Confirm current cost-share availability with the program.",
      "eligibility": "Boulder County properties; a mitigation specialist assessment produces a required-work list, and completing it earns a Wildfire Partners certificate",
      "covers": [
        "defensible space",
        "home hardening",
        "mitigation certification"
      ],
      "deadlines": "Rolling applications",
      "apply_url": "https://wildfirepartners.org/application-form/",
      "source": "https://wildfirepartners.org/general-faq/",
      "notes": "The certificate is accepted by Allstate, State Farm (existing customers), and USAA as proof of mitigation, depending on certificate date. Colorado law recognizes IBHS-verified mitigation and similar certification programs, which includes Wildfire Partners.",
      "changelog": [
        {
          "date": "2026-06-11",
          "entry": "Program record added with carrier-acceptance details.",
          "source": "https://wildfirepartners.org/general-faq/"
        }
      ]
    }
  ]
}