How to Better Protect and Prepare Your Home from Wildfires

Wildfires are an ever-growing threat to communities across the globe, with their frequency and intensity increasing each year. The devastating impact of these uncontrolled blazes is felt not only in the loss of life and property but also in the lasting scars they leave on the environment and local economies. Through a combination of preventive measures and informed decision-making, you can significantly reduce the risks and ensure the safety and resilience of your property and loved ones.

The Growing Threat of Wildfires

In 2024, there have been 38,143 wildfires in the U.S., burning over 7.8 million acres. The severity and frequency of wildfires are increasing due to climate change, leading to hotter, drier conditions and earlier snowmelt. Homeowners must take steps to minimize property loss and damage.

Wildfire Seasons and Vulnerable Areas

Wildfires predominantly occur between April and October. Large areas of the United States, particularly in the western and southern regions, are susceptible to wildfires. An estimated 16% of the U.S. population resides in wildfire-prone areas, with projections indicating an increase to 21% over the next three decades.

 

Steps to Take Before a Wildfire

Prepare Your Family and Your Home

First and foremost, the safety of you and your family should be your primary focus. Plan and practice a family evacuation strategy at home. This should include a designated meeting location and method to safely transport your pets. Sign up for local emergency alerts to stay informed. Additionally, taking a walk-through video of each room in the home, as well as the exterior of the home, can be instrumental in assessing post-fire damage, providing inventory to a claims adjuster of damaged personal property and showcasing the adequate pre-storm condition of the home.

Understanding what’s covered by your homeowner’s insurance is imperative. Most homeowners don’t know they’re at risk until disaster strikes. “Have a conversation with your agent to make sure you understand coverages and you are properly insured. Keep gutters, roofs and eaves clear of debris to reduce fire risk,” says Cindy Ackerman, Senior Vice President of Personal Lines. If you need a resource to help you better understand your policies, we’re here to help.

Ensure Your Home is Covered for Wildfires

To make sure your home is adequately covered in case of a wildfire, consider the following:

• Regularly review your homeowner’s insurance policy to understand what is covered. Make sure it includes protection against fire damage.
• Ensure your policy includes building code coverage to cover the cost of bringing your home up to current building codes during repairs.
• Make sure you have loss of use coverage, which pays for additional living expenses if you need to live elsewhere while your home is being repaired.
• Keep an updated inventory of your personal belongings, including photos and receipts, to make the claims process smoother.

Protect Your Property

There are several steps you can take before a wildfire occurs to protect your home and reduce the chance of significant loss:

• Clear vegetation and other flammable materials around your home.
• Opt for materials that can withstand high temperatures.
• Prevent embers from entering your home through vents.
• Regularly clean debris from your roof and gutters to prevent ignition.
• Set up a sprinkler system to keep your home and surrounding area moist.

Steps to Take During a Wildfire

• In the event of a wildfire, follow these steps to reduce damage and keep your family safe:
• Monitor local news and emergency alerts for updates.
• Have an emergency kit and important documents ready to go.
• Shut windows, doors, vents, and blinds to prevent embers from entering.
• Shut off gas, propane, and HVAC systems to reduce fire risk.
• Use long sleeves, pants, masks, and goggles to protect against heat and smoke.
• Leave immediately if instructed by authorities.
• Ensure pets are ready to evacuate with you.

Steps to Take After a Wildfire

Wildfires can still pose a serious threat even after the flames have subsided and cleanup efforts have begun. The following steps can help you recover:

• Only return home when authorities say it is safe.
• Look out for structural damage, downed power lines, and other dangers.
• Use gloves, long sleeves, pants, and masks to protect against ash and debris.
• Open windows and doors to air out smoke and ash.
• Take photos and videos of the damage for insurance claims.
• Report the damage and start the claims process as soon as possible.
• Use proper equipment and follow safety guidelines to clean up debris and ash.
• Continue to check air quality reports and limit exposure to smoke.

While you cannot prevent wildfires, you can take steps to protect your home and family. By understanding wildfire risks, preparing your home, and taking proactive measures, you can reduce the potential for catastrophic loss and ensure a quicker recovery.

For more tips, find a local team member today to ensure you’re covered.