07/28/2026
Morro Bay Residents:
On July 1st, 2026 the Morro Bay Fire Department was added to the Board of Forestry Fire Risk Reduction Communities List. The Fire Risk Reduction Community List, as mandated by PRC 4290.1, is "a list of local agencies located in a state responsibility area or a very high fire hazard severity zone...that meet best practices for local fire planning." The List is developed and maintained by the Board, with the first iteration beginning July 1, 2022 and updated every two years thereafter. The California Department of Insurance “Safer From Wildfires” regulations in Title 10, Section 2644.9(d), require insurance companies to use a rating plan that takes into account and reflects whether a structure is in a Fire Risk Reduction Community. FRRCL communities may see a discount on insurance costs. Property owners in FRRCL communities can be directed to the Board’s FRRCL webpage to access the list and other supporting documents for submission to their insurance providers. Property owners should submit a copy of the Fire Risk Reduction Community list Certificate for the Morro Bay Fire Department and a copy of the Board of Foresters resolution and approval of the 2026 list. For more information contact the Morro Bay Fire Department.
Daniel McCrain
Fire Chief
City of Morro Bay Fire
Find the documents to provide to your insurance for discount consideration at:
https://www.morrobayca.gov/1178/Morro-Bay---2026-Fire-Risk-Reduction-Com
