10/19/2026
Wildfire risk is now a line item on your Colorado insurance bill, and the state just gave homeowners leverage.
HB25-1182 took effect July 1, 2026, and since October 1, insurers using wildfire risk models must disclose those scores to policyholders at application and renewal. If an insurer's model doesn't account for your mitigation work, they're required to offer a discount to eligible policyholders.
What counts: science-based mitigation, the kind verified under Insurance Institute for Business & Home Safety (IBHS) standards, think defensible space, Class A roofing, hardened vents, non-combustible siding zones.
If you own along the foothills corridor (Evergreen, Golden, Castle Rock, west Highlands Ranch) your mitigation checklist just became a financial document. Document what you've done. Ask your insurer how it's scored. And if you're buying, make wildfire mitigation part of your inspection conversation before you're locked into a premium.
Not insurance advice; coverage and discounts vary by carrier.
The Anderson Group | Your Lifestyle Curators | eXp Realty
Questions about a foothills or south metro property? Call Ryan Anderson at 720-647-5960.