WILDFIRE MITIGATION MONEY · NAPA COUNTY, CALIFORNIA
The wildfire-mitigation money available to Napa County homeowners — and the fixes it pays for.
California's Safer from Wildfires rules require every insurer that uses wildfire risk in its pricing to give you a discount for documented mitigation — and to tell you which of those discounts apply to your home. The state is expanding your right to see the wildfire risk behind your rate. The same fixes that lower your risk are often paid for — in part or in full — by public programs. Here's what applies in Napa County.
PER 10 CCR § 2644.9 · AB 1 (2025)
For your household
GRANT● Coming (in law, not yet open)STATEWIDE
California Safe Homes Grant (AB 888)
Grants for lower-income homeowners toward a Safer-from-Wildfires roof and a 5-ft noncombustible (Zone 0) perimeter
Enacted Jan 2026; the Dept. of Insurance is still standing up the application portal — no open date yet. Property must be in a high/very-high fire hazard zone and income at or below the county low-income limit. The statute sets no fixed award amount
For your neighborhood or HOA
These fund groups rather than single households — worth flagging to your HOA or fire district, since neighborhood-scale work also helps your own community-mitigation credit.
GRANT● Opens seasonallySTATEWIDE
State Fire Capacity (SFC) Grant
Up to $200,000 for HOAs and community groups doing wildfire mitigation
Applies as an HOA or community group, not a single household; confirm the current SFC cycle
CAL FIRE →CAL FIRE — grant programs, verified 2026-08-14 GRANT● Opens seasonallySTATEWIDE
CAL FIRE Wildfire Prevention Grants
Funds local agencies and community groups for hazardous-fuel reduction and wildfire-prevention planning
For local agencies / community groups; check the current solicitation window
CAL FIRE →CAL FIRE — Wildfire Prevention Grants, verified 2026-08-14 Know which of these you already qualify for.
Answer a few questions about your home and we'll match the work you've already done to the programs above — and to the discount your insurer is required to credit.
Check my home →Program details change. Each program links to its official source with the date we last verified it; confirm current terms and deadlines with the administering agency before you rely on them.