The Insurance Institute for Business and Home Safety (IBHS) is a research organization funded by the insurance industry. It runs full-scale fire tests on building materials and assemblies, and it used that research to create the Wildfire Prepared Home designation.
Because it comes from the industry's own lab, the designation carries weight with insurers. Some carriers, including Mercury Insurance, have publicly promoted the program and offer recognition for designated homes.
What the designation focuses on
The program is built around the ways homes actually ignite: embers, direct flame contact and radiant heat close to the structure. Typical requirements include:
- A Class A fire-rated roof
- A five-foot noncombustible zone around the home
- Ember-resistant vents with fine metal mesh
- Noncombustible gutters or guards, kept clear
- Six inches of noncombustible vertical clearance at the base of walls
- Attention to decks, fences and attachments that connect to the house
A higher tier adds requirements such as upgraded windows and enclosed eaves. Requirements are updated as research evolves, so check the current IBHS standard for your state.
Where it's available
The designation launched in California and has since expanded to more states. IBHS has said it opened eligibility to millions more homes as the program grew.
How hardening helps you qualify
Many homes fail on a handful of details: one old gable vent, a wood fence that touches the siding, mulch against the foundation. A Wetline assessment checks each requirement and our crews close the gaps, then we document the work so you can apply with confidence.
| Requirement | How Wetline helps |
|---|---|
| Ember-resistant vents | Vent replacement with 1/16 to 1/8 inch mesh |
| Gutters | Noncombustible covers and cleaning |
| Five-foot zone | Landscape plan and pre-treatment |
| Windows (higher tier) | Heat-resistant laminates or replacement guidance |
| Eaves and siding | Intumescent coating and enclosure work |
The designation is about the details that research shows matter. That is exactly where most homes fall short.
Is it worth it?
For many homeowners, yes. The designation is a clear, third-party signal of reduced risk, and it aligns closely with California's Safer from Wildfires list. Even if your carrier doesn't offer a specific discount, the same upgrades make your home safer and easier to insure.
Start with a free assessment and we'll tell you how close you are.
Frequently asked questions
How much does a Wildfire Prepared Home designation save?
Savings depend on your insurer. Some carriers offer discounts or recognition for designated homes. Ask your broker which carriers in your area participate.
How long does the designation last?
Designations are typically valid for a set period and must be renewed, which helps confirm the home is maintained.
Can Wetline apply for the designation for me?
We prepare the home and documentation so you can apply with confidence through the IBHS program.
