Wildfire Grant Finder

Montana Wildfire Mitigation & Insurance (2026)

Montana has no state tax credit or insurer-discount mandate, but 2025's HB 136 permits insurers to offer premium reductions for mitigation. Community grants and Firewise programs provide the main path to help.

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Montana home with wildfire-hardening features
Montana community wildfire defense project

Insurance Discounts (HB 136 & HB 533)

While Montana has no insurer-discount mandate, 2025's HB 136 permits individual insurers to offer premium reductions for wildfire mitigation if they choose to do so.

HB 136 & HB 533 Overview

  • HB 136 (2025): Permits insurers to offer premium reductions for mitigation (not required)
  • Eligible actions: Ignition-resistant roofs, fire-resistant siding, and other hardening
  • Discount varies: Each insurer decides whether to participate and discount amounts
  • HB 533 (2025): Requires insurers using wildfire-risk scores to disclose methodology on request

Action: Contact your specific insurance company directly to ask if they offer Montana wildfire-mitigation discounts and what actions qualify.

Community Grants & Programs

Montana's primary wildfire-mitigation funding flows through community-level grant programs rather than individual homeowner rebates or tax credits. Most help comes via USDA Community Wildfire Defense Grants, managed through Fire Safe Montana and Firewise USA.

USDA Community Grants

  • ✓ Landscape-scale mitigation projects
  • ✓ Fuel reduction and defensible-space work
  • ✓ Applied for by communities/fire departments
  • ✓ Check with county extension for active projects

Fire Safe Montana

  • ✓ Community-based program
  • ✓ Defensible-space resources and planning
  • ✓ May provide group discounts on materials
  • ✓ Visit firesafemontana.org

Firewise USA

  • ✓ Neighborhood certification program
  • ✓ Coordinated community hardening
  • ✓ Insurance discount eligibility varies
  • ✓ Visit firewise.org

Home-Hardening Actions to Prioritize

These actions strengthen your home's wildfire resilience and may qualify for insurance discounts:

Structural Hardening

  • ✓ Class-A roof (highest fire rating)
  • ✓ Fire-resistant siding (non-combustible materials)
  • ✓ Ember-resistant vents (1/8" mesh or better)
  • ✓ Enclosed eaves (or metal screening)
  • ✓ Multi-paned windows (tempered glass preferred)

Defensible Space & Landscaping

  • ✓ Zone 0 (0–5 ft): noncombustible hardscape only
  • ✓ Zone 1 (5–30 ft): thinned trees, cleared underbrush
  • ✓ Zone 2 (30–100 ft): selective fuels reduction
  • ✓ Firewise community status: neighborhood-level certification

No State Tax Credit or Individual Homeowner Grants

Montana does not currently offer a state wildfire-mitigation tax credit or direct homeowner rebates. Help is primarily available through community-level grant programs (USDA Community Wildfire Defense Grants) and Firewise USA participation.

Federal support: You may qualify for federal credits through the IRA's home-efficiency improvements credit for certain eligible work. Consult a tax professional for details.

See What You Qualify For

Answer a quick questionnaire to find out what grants, tax credits, and insurance discounts are available for your Montana home.

Check your eligibility

Frequently Asked Questions

Common questions about Montana wildfire mitigation and insurance

Program Availability & Changes: Insurance discounts, wildfire-risk scoring requirements, and community grant programs change over time. This guide reflects information accurate as of June 2026. Always verify details with official sources before making decisions.

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