Partnership Brings Together Two Innovative Platforms to Expand Access to Affordable Wildfire Resilience Financing, Home Protection, and Insurance Solutions

NPHS is expanding its wildfire resilience efforts through a new partnership with Madronus Wildfire Defense, which brings together two complementary platforms to make wildfire protection more accessible, affordable, and effective for California homeowners.

The partnership combines NPHS’ Wildfire Resilience Financing Platform, which provides affordable capital for home-hardening improvements, with Madronus’ Wildfire Protection Platform, which connects homeowners to wildfire risk assessments, mitigation solutions, and insurance resources.

Together, these platforms create a more integrated approach to wildfire resilience, helping homeowners identify vulnerabilities, access financing for necessary improvements, and potentially improve their insurability.

As California faces increasing wildfire threats and an ongoing insurance affordability crisis, many homeowners face significant economic barriers to making their properties safer. This partnership addresses those challenges by connecting affordable financing with practical, science-based wildfire mitigation solutions.

Through the partnership, eligible homeowners can access NPHS Resilience Loans of up to $50,000, with interest rates starting at 5.99% and repayment terms of up to 15 years. Madronus provides personalized wildfire protection assessments and guidance to help homeowners pursue the Insurance Institute for Business & Home Safety (IBHS) Wildfire Prepared Home™ designation, potentially improving access to insurance coverage and discounts from participating insurers.

This collaboration supports NPHS’ broader strategy to build a comprehensive wildfire resilience financing ecosystem that helps homeowners prepare for, withstand, and recover from climate-related disasters.

As a nonprofit Community Development Financial Institution (CDFI), NPHS is building a financing platform that addresses one of the greatest barriers to wildfire preparedness: access to affordable capital.

Through its RESILIENCE and RESILIENCE Now loan programs, NPHS helps homeowners finance preventive improvements, complete urgent insurance-related repairs, and strengthen their properties against wildfire threats. NPHS is also developing financing solutions to support resilient rebuilding in disaster-impacted communities.

Beyond lending, NPHS is advancing public policies and coalitions that encourage greater participation from financial institutions, insurers, government agencies, and philanthropic investors. These efforts seek to expand access to resilience capital, reduce financial barriers, and create sustainable financing models that can scale across California.

The partnership with Madronus shows how two specialized platforms can work together to bridge gaps in wildfire mitigation needs, affordable financing, and access to insurance. Rather than addressing these challenges in isolation, the collaboration connects them through a more coordinated homeowner experience.

For investment opportunities in NPHS’ Resilience Platform, please contact Jesse Ibarra at Jesse@nphsinc.org.