Solution Apply neighborhood-scale wildfire mitigation standards to new housing developments so that home design, spacing, defensible space, and perimeter treatment work together to reduce ignition and structure-to-structure fire spread Key challenge Wildfire losses are driven not only by individual home vulnerability but also by neighborhood layout, perimeter exposure, ember intrusion, and fire spread between structures Context IBHS expanded its Wildfire Prepared program to include a Neighborhood designation aimed at reducing conflagration risk at community scale. KB Home’s Dixon Trail in Escondido became the first new-home community to achieve the designation, while Mercury partnered with IBHS to support insurance discounts for certified wildfire-prepared homes. Solution in practice The designation requires mitigation at both home and neighborhood scale. At Dixon Trail, homes were built to the IBHS Wildfire Prepared Home Plus standard and the neighborhood design incorporated features such as Class A fire-rated roofs, ember- and flame-resistant vents, non-combustible zones, defensible space, and separation between structures. Mercury Insurance introduced premium incentives tied to IBHS wildfire-prepared designations for eligible homes. Impact / outcome Dixon Trail (Escondido) was the first new-home community to earn the Wildfire Prepared Neighborhood designation; Mercury offers premium incentives for designated homes. Next steps Expand neighborhood-scale wildfire standards beyond pilot developments, strengthen insurer recognition of verified mitigation measures, and build stronger links between subdivision design, resilience certification, and long-term insurability. Organizations involved Authoring: Insurance Institute for Business & Home Safety (IBHS) Actors: KB Home; Mercury Insurance Implementation partners Civil Society Organizations; Property value chain stakeholders; Insurers; Local Governments