未来能源研究所：从风险到回报：野火缓解的保险折扣（英文版）

In 2022, California implemented a major insurance reform requiring insurance companies to provide premium discounts to policyholders who undertake wildfire hazard mitigation, such as installation of fire-resistant roofs, vents, and windows and maintaining defensible space around homes. To evaluate early implementation of this reform, we draw on insurance rules and rate filings to create a database of mitigation discounts offered by insurers. We analyze how discount amounts vary across mitigat