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Burning Lands: Protect Your Home from Wildfires

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Burning Lands: Protect Your Home from Wildfires


After widespread devastation in 2017 and 2018, wildfire damage decreased through the end of September 2019. Even so, there were 40 large fires burning in 12 states as of September 26, and almost 40,000 fires of all sizes burned more than 4.3 million acres from January through September.1

Unfortunately, in many areas, September is only the beginning of the fire season. Nine of the ten costliest wildfires in U.S. history ignited in October, November and December of 2019.2

Are you in a hot spot?

Wildfires can occur in any state, but the dry, hot West generally faces the highest risk. Based on number of households with high or extreme risk of wildfire, the top 10 most fire-prone states in 2019 were California, Texas, Colorado, Arizona, Idaho, Washington, Oklahoma, Oregon, Montana, and Utah. Based on percentage of homes, however, Montana topped the list with 29% of homes exposed to high and extreme risk of wildfires. New Mexico and Wyoming were also at high risk in 20193

These are only projections, and sparks can fly almost anywhere. In 2018, there were wildfires in every state except Delaware.4

Sadly, about 90% of wildfires in the United States are caused by humans through activities such as unattended campfires, burning debris, negligently discarding cigarettes, and arson. Natural causes include lightning and lava flows.5

No matter what the cause, wildfires need fuel, so areas near brush, forests, and other vegetation are especially risky. Ironically, a wet winter may increase the risk of future wildfires by causing greater vegetation growth that can serve as fuel in the dry months.6

Maintain a survivable space

Although the causes of wildfires may be outside your control, there are important steps you can take to help protect yourself, your loved ones, and your home.

survivable space

Create a defensible perimeter around the outside of your home, free of trees and shrubs that could catch fire easily. Clean roof surfaces and gutters of pine needles, leaves, and branches to avoid accumulation of flammable materials.


Keep all combustibles such as firewood, picnic tables, and boats away from structures.


Attach a non-flammable screen over the flue opening of every chimney or stovepipe. Mesh openings of the screen should not exceed ½ inch.


Consider installing fire-resistant roofing and/or siding material. Wood siding, cedar shakes, exterior wood paneling, and other highly combustible materials should be treated with fire retardant chemicals.


Dispose of stove or fireplace ashes and charcoal briquettes only after soaking them in a metal pail of water.


Store gasoline in an approved safety can away from occupied buildings.


Locate propane tanks far enough away from buildings for valves to be shut off in case of fire. Keep the area clear of flammable vegetation.


Keep a garden hose connected to a faucet.

Create a wildfire action plan

If you live in a fire-prone area, it’s wise to prepare in advance, even if you don’t expect a fire this year. A wildfire action plan should include:

action plan

An emergency supply kit


A list of possessions to take with you


A list of steps to take before you leave for your home


A designated meeting place


A family communication plan

For more information on creating a wildfire action plan, assembling an emergency supply kit, and what to do in the event of an evacuation, see the CalFire website.

Review your insurance

Standard homeowners and renters policies generally cover damage caused by fire and smoke, or from firefighters putting out a fire, up to policy limits. Your insurance may also pay extra living expenses while your home is being repaired or rebuilt.

Your home and belongings should be insured for their full replacement cost. If you're underinsured, it could prove difficult or impossible to rebuild a structure or replace your lost belongings at current market prices.

A thorough home inventory - complete with photos, video, receipts, model numbers, and appraisals - could make it easier to settle with your insurer in the aftermath of a devastating fire. Copies of your inventory and other policy documents should be kept online, in a fireproof safe, or in a location away from your home.

Regardless of where you live, fire can be a threat to you, your family, and your home. Taking time to prepare now could help prevent you and your loved ones from enduring costly and devastating losses. For more information on Wildfire protection please call your credit union owned insurance agency, Member Advantage Insurance Services.