Wildfires and the United States share a destructive relationship, one that shows no signs of fading. In 2025 alone, more than 43,061 wildfire incidents have occurred so far, reducing structures to ashes, as reported by the National Interagency Fire Center. This statistic shows that you need to take proactive steps to prevent loss of life and property.
As insurance companies respond with strict policies and raising premiums, homeowners in Fire Hazard Severity Zones (FHSZ) are desperately seeking ways, such as the application of fire-resistant coatings. But the critical question remains- how to lower home insurance with fire-resistant coatings. In this blog, we are going to discuss the same.
Challenges to Lower Home Insurance in Fire Zones
Insurance companies rely heavily on Fire Hazard Severity Zones (FHSZ) to assess the risk associated with insuring a property and to determine the appropriate premium rates. Challenges to lower home insurance in fire zones are:
Higher Insurance Premiums
One of the most immediate consequences is the imposition of higher insurance premiums, which can be up to 300% more expensive than policies in low-risk zones. This increase reflects the heightened likelihood of destruction, forcing many residents to allocate a substantial portion of their budgets to insurance costs alone.
Limited Coverage Availability
Another major issue is the limited availability of coverage, as some insurers outright refuse to underwrite policies for properties located in Very High Fire Hazard Severity Zones. This leaves homeowners with no choice but to turn to state-backed insurance programs like the California FAIR Plan.
Stricter Policy Requirement
Insurers are making stricter policies regarding wildfire insurance. Homeowners in wildfire-prone areas may need to use fire-resistant materials, clear space around their homes, and take other safety steps to get coverage. While these policies improve safety, they also increase complexity and cost for residents already struggling with high insurance costs.
Do Fire-Resistant Coatings Lower Home Insurance Costs?
The question of whether fire-resistant coatings can lead to lower home insurance costs is one that many homeowners in high-risk wildfire zones are eager to answer. The evidence suggests that the answer is yes, though the extent of the savings can vary depending on several factors. Homes equipped with fire-resistant upgrades, including fire-resistant coatings and paints, are often eligible for premium discounts ranging from 5% to 15%.
An important study conducted by the Insurance Institute for Business & Home Safety (IBHS) in 2025 found that homes treated with fire-resistant exterior coatings were 40% less likely to sustain serious fire damage compared to untreated properties. This statistic has not gone unnoticed by insurers, who are now more inclined to offer financial incentives for homeowners who take significant steps to reduce wildfire risks.
How to Maximize Insurance Savings with Fire-Resistant Coatings
For homeowners in wildfire-prone areas, fire-resistant coatings can significantly lower insurance premiums while improving fire safety. Here are the steps for reducing home insurance costs:
Ask Your Insurer About Discounts
Contact your insurance provider to confirm which fire-resistant coatings qualify for discounts. Some insurers require third-party certifications (like ASTM E-119) or may only accept specific brands. Additionally, ask if combining fireproof paint with other upgrades (such as fire-resistant roofing or ember-resistant vents) leads to greater savings.
Choose the Right Fireproof Coating
Not all fire-resistant paints are the same. For homes in wildfire-prone zones, the Firefree Exterior System is a two-step coating designed specifically for areas where urban development meets wildlands. This fire-rated paint for wood has been rigorously tested to perform in extreme conditions, making it an excellent choice for homeowners seeking insurance discounts.
If your home features wood siding, decking, or other exposed timber, Firefree Class A provides ASTM E84-compliant protection, including passing the 30-minute extended burn test. This coating significantly slows flame spread, helping structures resist ignition during wildfires. Many insurance companies recognize ASTM E84-rated products, making Firefree Class A a wise investment for lowering premiums.
For structural fire protection, Firefree 88® is an intumescent coating that meets ASTM E119, NFPA 286, and other international fire resistance standards. It’s designed for walls, ceilings, roofs, and structural components, expanding when exposed to heat to create a protective barrier. Because it complies with International Building Code (IBC) requirements, many insurers accept it for premium reductions on homes in high-risk fire zones.
Combine with Other Fireproofing Upgrades
Many private insurance companies often provide larger discounts for homes with multiple fire-resistant features. Consider adding fireproof roofing, ember-resistant vents, and defensible space landscaping alongside fire-resistant paint. This complete approach not only increases safety but also maximizes insurance savings.
Keep Detailed Records for Proof of Upgrades
Insurance providers may request proof of fire-resistant upgrades, including application of paints or coatings. Maintain receipts, warranty information, certification documents, and before-and-after photos. Proper documentation ensures you qualify for discounts and simplifies future claims or home sales.
Conclusion
Fire-resistant coatings can effectively help you in high-risk wildfire zones by reducing home insurance costs. To maximize savings, consult insurers, hire professionals, and maintain proper documentation. Proactive measures like these answer the critical question of how to lower home insurance while enhancing safety in the increasing wildfire threats of 2025.
Firefree Coatings, Inc. provides fireproof coatings that meet your home insurance and safety standards. If you’re in a high-risk zone, our products can help protect your home and save you money. Contact Us Today!