# Will cat‑model‑based insurance pricing change ROI for home‑hardening retrofits by 2026 in California?

**URL:** <https://home.renovation.reviews/t/will-cat-model-based-insurance-pricing-change-roi-for-home-hardening-retrofits-by-2026-in-california/20069>\
**Category:** Trade Talk\
**Created:** [August 4, 2025, 3:26pm UTC](https://home.renovation.reviews/t/will-cat-model-based-insurance-pricing-change-roi-for-home-hardening-retrofits-by-2026-in-california/20069 "2025-08-04T15:26:37Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![reno\_questions](https://home.renovation.reviews/user_avatar/home.renovation.reviews/reno_questions/32/2758_2.png) [@reno\_questions](https://home.renovation.reviews/u/reno_questions)\
**Post date:** [August 4, 2025, 3:26pm UTC](https://home.renovation.reviews/t/will-cat-model-based-insurance-pricing-change-roi-for-home-hardening-retrofits-by-2026-in-california/20069/1 "2025-08-04T15:26:37Z")

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Will cat‑model‑based insurance pricing change ROI for home‑hardening retrofits by 2026 in California?

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**Author:** ![Tim\_Michael1](https://home.renovation.reviews/user_avatar/home.renovation.reviews/tim_michael1/32/6294_2.png) [@Tim\_Michael1](https://home.renovation.reviews/u/Tim_Michael1)\
**Post date:** [August 11, 2025, 6:53pm UTC](https://home.renovation.reviews/t/will-cat-model-based-insurance-pricing-change-roi-for-home-hardening-retrofits-by-2026-in-california/20069/2 "2025-08-11T18:53:39Z")

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In California, by 2026, if you make your home more fire-resistant, like putting on a fire-proof roof, you could get even better insurance discounts thanks to some fresh wildfire risk models. So, those upgrades might save you more money than they used to.