# Wildfire Insurance Town Hall 9-29-26

The City of Laguna Beach’s Wildfire Insurance Town Hall on September 29, 2026, covered homeowners insurance, wildfire mitigation, and emergency preparedness. A California Department of Insurance outreach analyst discussed insurer participation and rate changes, mitigation-related discounts, flood and earthquake coverage, the California Fair Plan, and resources for consumers. The Fire Chief reported that the city’s fire department ISO rating improved from 3 to 2, five community Firewise designations had been approved with three more underway, and the city received a grant to update its Community Wildfire Protection Plan. Fuel-modification work was also reported: Zone 19 was about 60% complete, and construction on expansion projects had begun. The city plans to pursue a state fire-risk-reduction community designation in 2027.

The meeting also discussed the proposed Zone Zero requirements, which were still under state review; officials said implementation would begin with new construction and major remodels in very high fire hazard areas, with public education preceding enforcement. Residents asked about insurance cancellations, Firewise communities, defensible space, and evacuation planning. No contract awards, bids, purchasing decisions, spending votes, or other procurement actions were identified; the grant and mitigation projects were discussed without procurement details or dollar amounts.

**Jurisdictions:** sled
**Industries:** Construction & Infrastructure, Public Safety
**Topics:** Physical Infrastructure, Grants & Funding
**Published:** September 29, 2026

### Sources
- [Wildfire Insurance Town Hall 9-29-26](https://www.youtube.com/watch?v=vQ6NX0gpAps) - City of Laguna Beach