Wildfire Grants & Home-Hardening Help in Larimer
Larimer County is at elevated wildfire risk. Here's what help is available right now: local programs, statewide resources, and insurance discounts that could save you thousands.
Recent fire activity: Aug–Dec 2020 Cameron Peak Fire (208,663 acres — largest wildfire in Colorado history; ~469 structures burned)
Risk level: Very High
Lead authority: Larimer County Office of Emergency Management
Local Programs in Larimer County
Larimer County has several county and municipal programs to help homeowners harden their homes against wildfire.
Larimer County Community Mitigation Grant Program: awards typically up to $10,000 for hazardous fuels reduction, community chipping/slash removal, firewood banks, and mitigation equipment (limit 2 awards per 3-year period)
Contact your local county office or fire department for eligibility, application deadlines, and funding availability.
FEMA/state-funded hazardous tree removal and chipping along Cameron Peak-affected county roads (infrastructure-focused, not an individual-homeowner rebate)
Contact your local county office or fire department for eligibility, application deadlines, and funding availability.
No standalone county cash rebate for individual homeowner defensible-space work confirmed beyond the grant program above — use the CO Strategic Wildfire Action Program (COSWAP) statewide
Contact your local county office or fire department for eligibility, application deadlines, and funding availability.
Statewide Colorado Programs
In addition to local Larimer County initiatives, these statewide Colorado programs are available to all eligible homeowners.
Safer from Wildfires (Insurance Discounts)
Colorado requires all admitted insurers to discount premiums for documented wildfire mitigation.
- ✓ Up to 12 discounts available
- ✓ ~13.8% off wildfire portion of premium (CO FAIR Plan)
- ✓ Discounts for roof, vents, eaves, defensible space, and more
FAIR Plan Wildfire Discount
Colorado's FAIR Plan offers additional discounts for completed mitigation.
- ✓ Up to ~13.8% off wildfire portion of premium
- ✓ For dwelling coverage (16.4% for commercial)
- ✓ Discounts apply to documented, completed actions
Colorado Wildfire Mitigation Program (CWMP)
Free home-hardening and defensible-space retrofits for low- and moderate-income homeowners.
- ✓ Free home-hardening retrofits
- ✓ Defensible-space clearing and debris removal
- ✓ Community-by-community rollout (check if Larimer County is included)
Local Resources
Use these resources to stay informed about Larimer County wildfire risk and local programs.
Frequently Asked Questions
Common questions about wildfire programs in Larimer County
What qualifies for insurance discounts in Larimer County?
Colorado's Safer from Wildfires regulation requires insurers to discount for documented mitigation: Class-A roof, ember-resistant vents, enclosed eaves, multi-paned windows, noncombustible Zone 0 (0–5 ft), defensible space, and Firewise community status.
How do I apply for Larimer County local programs?
Contact Larimer County Office of Emergency Management directly for eligibility, application requirements, and timelines. Program funding is often limited and competitive.
Is the Colorado Wildfire Mitigation Program available in Larimer County?
The CWMP rolls out community-by-community, not statewide. Check readyforwildfire.org or contact your local fire department to see if your area is included.
What is the typical discount amount?
Colorado FAIR Plan offers up to ~13.8% off the wildfire portion of your premium (16.4% for commercial coverage). Private insurers may offer different amounts.
Check Your Eligibility
Answer a quick questionnaire to find out what grants, tax credits, and insurance discounts are available for your Larimer County home.
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