Wildfire Resiliency Building Codes and Insurance
The Wildfire Resiliency Code Board (WRCB) has released new and updated state building code requirements. The Wildland Urban Interface (WUI) map created by the WRCB is for the Wildfire Resiliency Building Codes (Codes) application 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, their Codes map, and new or updated building codes, please visit https://dfpc.colorado.gov/WRCB.
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 Codes map to determine where the new and updated codes apply.
This Codes map is created for building code application only.
For more information on the Wildfire Resiliency Code Board, their Codes map, and new or updated Wildfire Resiliency Building Codes, please visit https://dfpc.colorado.gov/WRCB.
No. Insurers can’t use the Codes map to impact the cost or availability of homeowners insurance.
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 Codes map is created for building code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers can’t use the Codes map to impact the availability of homeowners insurance in high risk areas.
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 Codes map is created for building code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers can’t use the Codes map to impact the cost of homeowners insurance rates if an area is labeled high risk.
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 Codes map is created for building code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers can’t use the Codes map to impact the cost or availability of homeowners insurance regardless of low, moderate, or high risk designations.
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 Codes map is created for building code application only.
Colorado law requires insurers to evaluate coverage using multiple factors and for rates to be actuarially sound.
No. Insurers can’t use the Codes map to impact the cost or availability of homeowners insurance if your home is designated as a higher risk than other maps.
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 Codes map is created for building 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 policy.
As more homes in a community become resilient, the insurance risk profile for the area improves. This can help stabilize pricing and improve availability over time.