Evergreen CO Home Insurance and Wildfire Mitigation: What Changed in 2026

If you own a home in Evergreen, you’ve either received a non-renewal letter or you know someone who has. Two things changed in 2026 that most homeowners haven’t heard about: as of July 1, Colorado insurers that score your wildfire risk have to show you that score and factor your mitigation work into it — and as of October 1, they have to publish what mitigation actually earns a discount. Here’s what qualifies, what order to do it in, and what to document before you call your agent.