Regulation guide · not legal advice
Wildfire insurance & regulation
Admitted markets have pulled back in many WUI areas. This hub summarizes residual markets (FAIR plans), non-renewal notice norms, wildfire risk-score appeals, and mitigation credits — paraphrased from state DOI / .gov sources. Confirm live statute text and plan documents before you act.
Topic guides
FAIR plans & residual markets
Insurers of last resort for basic fire/property when the admitted market will not write.
Read guideNon-renewal & cancellation notices
Advance-notice windows, cancel vs nonrenew, and post-fire moratoria.
Read guideWildfire risk-score appeals
How to get your score disclosed and challenge errors or completed mitigation.
Read guideMitigation credits & discounts
Mandatory vs voluntary credits for roof, Zone 0, vents, Firewise, and related work.
Read guideBy wildfire / WUI state
Drawn from research notes under the shared insurance library (states/*.md). Florida is included as a comparative residual-market note only.
California
California FAIR Plan Association
CAColorado
Colorado FAIR Plan
COOregon
Oregon FAIR Plan Association (OFPA)
ORWashington
Washington FAIR Plan
WAArizona
No residential FAIR Plan found — surplus / MAP paths
AZTexas
Texas FAIR Plan Association (TFPA)
TXNew Mexico
New Mexico Property Insurance Program (NMPIP / NM FAIR Plan)
NMNevada
No residential FAIR Plan found — surplus / MAP paths
NVIdaho
No residential FAIR Plan found — surplus / MAP paths
IDMontana
No residential FAIR Plan found — surplus / MAP paths
MTUtah
No residential FAIR Plan found — surplus / MAP paths
UTWyoming
No residential FAIR Plan found — surplus / MAP paths
WYOklahoma
No residential FAIR Plan found — surplus / MAP paths
OKAlaska
No residential FAIR Plan found — surplus / MAP paths
AKHawaii
Hawaii Property Insurance Association (HPIA)
HIFlorida
No residential FAIR Plan found — surplus / MAP paths
FLHomeowner checklist
- Ask your agent which mitigations they credit before you buy hardening or active defense.
- Keep dated photos and invoices for every upgrade.
- Request a written scope from any system installer (FireShield and others may provide insurer-ready packets).
- Do not assume a discount or renewal — underwriting changes.
- Prefer .gov / DOI / FAIR Plan URLs when rules conflict with third-party blogs.