Wildfire Resiliency Building Codes and Insurance
The Wildfire Resiliency Code Board (WRCB) has adopted a new state code for structure hardening and defensible space requirements in the Wildland Urban Interface (WUI). The map created by the WRCB is for the application of the 2025 Colorado Wildfire Resiliency Code (Code) only. It is not intended for insurance purposes.
Insurance companies use their own tools, methodologies, and maps to assess risk and make decisions about where to offer insurance and how much to charge for coverage.
For more information on the Wildfire Resiliency Code Board, the Code map, and new Colorado Wildfire Resiliency Code, please visit Wildfire Resiliency Code Board.
For information about homeowners insurance speak to your insurance agent or contact the Division of Insurance.
Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Phone: 303-894-7499 | Toll free outside the Denver Metro Area: 800-930-3745
Email: dora_insurance@state.co.us
The WRCB created a Code map to determine where the 2025 Colorado Wildfire Resiliency Code applies.
This Code map is created for the structure hardening and defensible space mitigation requirements application only.
For more information on the Wildfire Resiliency Code Board, the Code map, and the 2025 Colorado Wildfire Resiliency Code, please visit https://dfpc.colorado.gov/WRCB.
No. Insurers rely on their own, more granular maps and methodologies to make decisions about premium rates, eligibility for new policies, and whether to renew existing policies.
This Code map is created for the Code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
Talk to your agent about what coverage is provided by your homeowners insurance policy and how it extends to new and updated building code requirements.
Talk to your agent about what mitigation and home hardening discounts are available on your homeowners insurance policy.
No. Insurers rely on their own, more granular maps and methodologies to make decisions about premium rates, eligibility for new policies, and whether to renew existing policies.
This Code map is created for the Code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers rely on their own, more granular maps and methodologies to make decisions about premium rates, eligibility for new policies, and whether to renew existing policies.
This Code map is created for the Code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers rely on their own, more granular maps and methodologies to make decisions about premium rates, eligibility for new policies, and whether to renew existing policies.
This Code map is created for the Code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers rely on their own, more granular maps and methodologies to make decisions about premium rates, eligibility for new policies, and whether to renew existing policies.
This Code map is created for the Code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.