Madronus and NPHS Launch Wildfire Resilience Loans to Help California Homeowners Access Insurance and Reduce Costs
New financing program offers rates starting at 5.99% to help homeowners, including CA FAIR Plan policyholders, protect
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SAN FRANCISCO, Oct. 29, 2026 (GLOBE NEWSWIRE) — Madronus Wildfire Defense and Neighborhood Partnership Housing Services (NPHS) today announced a new partnership to make wildfire resilience affordable for California homeowners, including those struggling to find insurance or forced to rely on the California FAIR Plan.
Through the partnership, homeowners can access NPHS Resilience Loans to finance home improvements identified through Madronus’ wildfire resilience platform. Madronus helps homeowners earn the IBHS Wildfire Prepared Home™ designation that can unlock coverage and premium savings from participating insurer partners.
Making wildfire resilience – and insurance – more affordable
California FAIR Plan premiums began increasing by an average of 29% on October 15, and homeowners face mounting pressure to find affordable insurance. With many insurers restricting coverage to homes that are wildfire resilient, the upfront investment can be a barrier.
Madronus and NPHS address both challenges by combining financing, personalized protection plans, and access to insurers that recognize homeowners who invest in wildfire resilience. Some Madronus customers report saving over $5,000 annually after earning the Wildfire Prepared Home designation.
“Homeowners are fed up with confusing messages about wildfire risk and insurance. They want a trusted partner to show them what to do, help them get it done, and make it affordable,” said Ivan O’Neill, CEO of Madronus Wildfire Defense. “By combining NPHS loans with Madronus’ wildfire resilience platform and insurance partners, we make California more affordable.”
NPHS Resilience Loans offer the following terms to eligible Madronus customers:
- 5.99% interest rate for eligible households earning up to 120% of Area Median Income (AMI)
- 6.99% interest rate for households earning above 120% AMI
- Up to $50,000 in financing
- Loan terms up to 15 years
- Minimum credit score of 620, subject to underwriting and approval
“For more than 35 years, NPHS has helped families build wealth and strengthen their communities through affordable housing and financial solutions,” said Jesse Ibarra, Chief Business Officer of NPHS. “This partnership brings together accessible financing and practical wildfire protection services, helping homeowners safeguard their homes, preserve their equity, and build stronger, more resilient communities.”
Get started in less than 10 minutes
Madronus makes it simple to get started:
- Scan – Download the Madronus Capture app at capture.madronus.com and complete a home scan in less than 10 minutes.
- Plan – Receive a free personalized protection plan that identifies what’s needed to earn the Wildfire Prepared Home designation with no obligation.
- Protect – Schedule a consultation, obtain estimates for the work, and apply for an NPHS Resilience Loan to make it affordable.
- Verify – Get designated and recognized for your investment by participating insurers.
Financing is subject to borrower eligibility, credit approval, underwriting, and applicable loan terms. Insurance availability and savings depend on the property, insurer underwriting requirements, and applicable discounts. Individual customer savings are not guaranteed.
About Madronus Wildfire Defense
Madronus Wildfire Defense is a wholly owned brand of Wuuii, Inc. that empowers property owners to protect homes and businesses and unlock insurance coverage and discounts through its wildfire resilience platform. Madronus is a strategic partner of the IBHS Wildfire Prepared Home program across 14 states, and tens of thousands of US homeowners trust Madronus. Learn more at madronus.com.
About Neighborhood Partnership Housing Services (NPHS)
NPHS is a nonprofit Community Development Financial Institution (CDFI) and NeighborWorks® organization dedicated to building resilient, thriving communities through innovative housing and financial solutions. Through its core programs in affordable housing, inclusive lending, and social enterprise innovation, NPHS advances community economic development across the Inland Empire and surrounding counties. Learn more at nphsinc.org.
Media contact: Ivan O’Neill Chief Executive Officer 707-899-0800 info@madronus.com
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