Homeowners' Insurance Information Regarding Discounts
See below for discount information for the California FAIR Plan discounts, Firewise Communities and Fire Risk Reduction Community List
From CA FAIR PLAN
Properties located in Firewise Communities are eligible for insurance discounts. There are several Firewise Communities in the Inland Empire and the San Bernardino Mountains. Below is a list of the Firewise Communities as of 03-10-26.
If you are not sure if your property is located in one of these - or to get a copy of the Firewise certificate to submit to your insurance carrier, please send a note through the contact us page and MRFSC staff will assist you.
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​Also, if you want to create a Firewise community we can help with that as well. A community can be as few as eight (8) homes, up to 2,500. Send an inquiry via the contact us page.
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Firewise Communities in the San Bernardino Mountains
Angelus Oaks, Arrowbear Lake, Dogwood/Blue Jay Canyon Association, Enchanted/Lower Live Oak (RS), Lower ROWCO (RS), Lower Town (RS), Luring Pines (RS) , Nordic Rimwood (RS), Smiley Park Country Club (RS), Strawberry Flats POA, Upper Town (RS), Upper ROWCO (RS). [as of 03-10-26] Visit www.IEFSA.org for a list of all Firewise communities in the Inland Empire
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Many insurance carriers will accept both Firewise and Fire Risk Reduction Communities for discounts!
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FIRE RISK REDUCTION COMMUNITY LIST
Mountain Rim Fire Safe Council and Inland Empire Fire Safe Alliance are excited to share that the State of California Board of Forestry announced the 2024 Fire Risk Community Reduction List (good through 07-01-2026). Down the List below and submit to your insurance agent/broker.
In 2022 Insurance Commissioner Lara, through his Safer from Wildfire program, established a requirement that:
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"No insurer shall use a rating plan that does not take into account and reflect the
following mandatory factors:
(A) Community-level mitigation designations: The rating plan shall
reflect, and the rate offered to the applicant or insured shall be based in part on, the reduced wildfire risk associated each and every community-level mitigation designation listed below in this subdivision (d)(1)(A) that is applicable to the community in which the Building Being Evaluated is located.
Community-level mitigation designations include:
1. Fire Risk Reduction Community listed by the Board of Forestry pursuant to Public Resources Code section 4290.1; and
2. Firewise USA Site in Good Standing"
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In the Inland Empire, Arrowbear Lake Fire Department, Big Bear Fire Authority, Chino Valley Fire Department, City of Murrieta, City of Rancho Cucamonga, Rancho Cucamonga Fire Protection District and San Bernardino County Fire Protection District all submitted applications for this designation of Fire Risk Reduction Community (FRRC) to help the communities they serve. And they were among the only 50 entities in the state awarded the recognition! THE 2026 LIST WILL BE ANNOUNCED IN JULY AND WILL BE UPDATED HERE.
The official list is below, along with the excerpt from the Department of Insurance regulation that requires insurers to recognize the list.
We recommend contacting your agent as soon as possible to share this important status. Some of your communities may be covered under more than one entity as San Bernardino County Fire Protection District covers the entire county. However, you will not receive multiple discounts.
Note: this does not diminish the need for FIREWISE community designation. Firewise is still critical in helping a community work together to be fire safe and fire resilient. The FRRC list is great for getting a discount, but it won't keep your house from burning down if your neighbors don't do their part in creating defensible space.
