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Chubb ranked #1 for Homeowners Insurance Customer Satisfaction.
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Wildfires have become increasingly destructive over the past decade. We are seeing the intensity and frequency of wildfires increase, as well as their proximity to urban areas.
The wildfire season has extended from an average of five months a year to seven months, and in some areas like Southern California, wildfires are becoming a year-round threat. While California faces high wildfire risk, other states are experiencing significant increases in wildfire activity as well. Understanding the dynamics of wildfires and effective defense strategies are crucial to helping your home survive a wildfire.
Wildfire growth and behavior are influenced by several factors, including:
The length and intensity of wildfire season is largely dictated by weather, specifically wind, temperature, precipitation, and humidity. When each weather condition is extreme, such as high winds, high temperatures, lack of precipitation, and low humidity, the risk of wildfire increases to what is known as “Red Flag” conditions.
Topography describes land shape and, like weather, is a factor influencing wildfire behavior that cannot be changed. Topographic factors affecting wildfire movement include elevation, slope, aspect, and features like canyons and valleys. Fires burn hotter and faster moving uphill and can travel quickly through narrow canyons, making hilltops, and ridges particularly susceptible to wildfire growth.
The availability of fuels, such as vegetation, dead leaves, and combustible material located close to buildings, is the most significant factor that impacts wildfire behavior. If a wildfire has a continuous fuel source, it can burn longer and spread quickly.
In urban areas, densely packed structures can serve as a fuel source for wildfires, potentially leading to large-scale conflagrations. A conflagration is a significant fire that spreads rapidly and devastates extensive areas. Such events are often driven by extreme weather conditions, including droughts and high winds exceeding 30 mph, and vulnerable topography.
Reducing or eliminating continuous fuels can help increase your home’s chance of surviving a wildfire. Defensible space1 is the area around a structure where vegetation is managed to reduce a wildfire’s intensity and ability to spread. Creating and maintaining defensible space around your home can provide fire breaks that help prevent the spread of fire from vegetation to the structure. Defensible space can also provide space for firefighters to help defend your home, if needed.
Maintaining defensible space around homes is becoming more important as fires increasingly move from wildlands into suburban and urban areas. Following the Oak Fire in Mariposa County in 2022, the California Wildfire & Forest Resilience Task Force found that homes that met defensible space guidelines were six times more likely to survive.2
There are four Defensible Space Zones to maintain:
When it comes to enhancing the resilience of your home against wildfires, several home hardening options can significantly reduce risk:
While these three options are effective, it is essential to explore a variety of other home hardening strategies tailored to your specific environment and needs.
By focusing on creating defensible space and investing in home hardening solutions, homeowners can significantly increase their property’s survivability during a wildfire.
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.