← Fire Safety & Insurability

What the Standards Require

This table summarizes the requirements for each level. Flame Zone homes must meet everything in the Essential column plus the additional Enhanced items. Not sure which applies to you? Check the zone map.

ComponentEssential Ember ZoneEnhanced Flame Zone
RoofClass A fire-rated roof covering, kept clear of debrisSame as Essential
Gutters and downspoutsNoncombustible gutters and downspouts (partially addressed)Noncombustible gutters and downspouts, plus a noncombustible gutter cover
EavesNot requiredEaves enclosed with noncombustible material
VentsEmber-resistant vents, or 1/8-inch corrosion-resistant metal mesh over ventsSame as Essential
Exterior wallsAt least 6 inches of noncombustible material at the base of exterior walls, at ground level and above attached decks or patios. Wood siding is otherwise acceptable.Fully noncombustible wall covering: no exposed wood or foam, including decorative elements
Windows and glassNot requiredTwo panes, both tempered
Exterior doorsNot requiredMetal, solid 1¾-inch wood, or 20-minute fire-rated, with a noncombustible threshold
Decks, pergolas, and projectionsBottom 6 inches of posts noncombustible; underside enclosed with 1/8-inch metal screening if less than 4 feet above grade. Clear and maintain the underdeck area. Composite decking is allowed.Fully noncombustible, including deck surface, rails, and steps
0–5 foot zoneNoncombustible zone extending 5 feet around the home and attached combustible decks (details)Same as Essential
FencingReplace combustible fences and gates within 5 feet of the homeAlso remove back-to-back fencing unless one fence is noncombustible (metal or block)
5–30 foot defensible spaceSpaced vegetation, structures, and other fuels; clear debris; remove firewood; careful plant selection and spacingSame as Essential
Detached structures and ADUsAllowed within 30 feet only with at least 10 feet of spacing from the home and other structures, construction matching the main home, and their own 0–5 foot zone and other mitigationsNo detached structures within 30 feet

What counts as noncombustible?

Noncombustible

  • Siding: three-coat stucco, fiber-cement, brick, stone, masonry veneer, metal
  • Decks: steel joists, lightweight concrete, tile, stone, pavers, brick, aluminum
  • Ground: gravel, river rock, decomposed granite, steppingstones, concrete

Combustible

  • Siding: vinyl, wood, engineered wood
  • Decks and fences: any wood, including “fire-resistant” wood; composite and vinyl decking
  • Ground: wood and rubber mulch, pine needles, grass, and vegetation, even if irrigated

How this compares with the building code

The 2026 California Wildland-Urban Interface (CWUI) code, Chapter 5, sets the minimum legal requirements for building in wildfire-prone areas. It references Class A roofs, ember-resistant vents, the 6-inch vertical clearance, and exterior doors. It only partially addresses gutters, eaves, wall coverings, glass, decks, detached structures, and defensible space, and it does not yet reference the 0–5 foot zone (a Board of Forestry rule is pending).

IBHS Enhanced goes beyond code by eliminating exposed combustible materials such as wood, enclosing eaves, requiring tempered glass in both panes of dual-pane windows, requiring noncombustible decks and pergolas, and requiring the 0–5 foot zone.

Most new homes built to the new L.A. County codes already do most of what certification requires, but not all of it.

Surviving homes may have more to do, such as replacing windows with double-pane, double-tempered glass. Meeting code does not by itself earn certification, so if you are rebuilding, review these standards with your architect and contractor now.

A word about roof sprinklers

According to IBHS, roof sprinklers and other exterior water systems are not a substitute for the passive mitigation that Wildfire Prepared Home requires, mainly because there are currently no test standards to determine their effectiveness, especially in high winds.

Exterior sprinkler systems depend on water supply, power, pumps, generators, plumbing, wind conditions, system design, activation, and maintenance. If any critical part fails during a wildfire, the system may not perform as expected. Many homeowners may reasonably choose to add one, but the IBHS program does not allow roof sprinklers to substitute for other required measures.

All sections of this guide
  1. Why We're Taking This On
  2. IBHS & How Homes Burn
  3. Flame Zone or Ember Zone?
  4. What the Standards Require
  5. The 0–5 Foot Zone
  6. Insurance & Mercury's Standard
  7. How to Get Certified
  8. Neighborhood & Block Certification
  9. What You Can Do Now