Wildfire

Wildfire preparedness: Enhancing home resiliency and defense

April 28, 2025
James Milek, AVP, Catastrophe Technical Manager and Cortney Spath, AVP, Catastrophe Programs & Communication Manager | Chubb Personal Risk Services
The California "River Fire" of Salinas, in Monterey County, was ignited by dry lightning on August 16, 2020, fills the sky with dark

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.

Understanding wildfire behavior

Wildfire growth and behavior are influenced by several factors, including:

  • Weather
  • Topography
  • Fuel – such as branches, dry vegetation, etc.
     

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.

Creating defensible space

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:

  • Zone 1 (Non-Combustible Zone - 0-5 feet) – Should be free of flammable items and maintained frequently to prevent ember intrusion, which causes 90% of home losses in wildfires.  
  • Zone 2 (5-30 feet) – Should be “lean, clean, and green.” The focus is to reduce fuel lines to your home and maintain a healthy yard.  
  • Zone 3 (30-100 feet) – Should be open and park-like, which will help to minimize fuel to slow a fire’s progress and intensity.  
  • Zone 4 (100+ feet) – More vegetation is present, and a little less regular maintenance is needed, but attention should be made to downed and dead trees and the overall amount of fuel present. 

Home hardening

When it comes to enhancing the resilience of your home against wildfires, several home hardening options can significantly reduce risk:

  • Class A roofs – Certain roofing materials, including asphalt shingles, metal, or tile, provide superior fire resistance that help protect your home from embers and flames.
  • Ember-resistant vents – Ember-resistant vents are a critical feature, designed to prevent embers from entering your attic and igniting combustible materials inside. All vent openings should be equipped with 1/8-inch metal mesh or ember-resistant vents. Fiberglass or plastic mesh can melt or burn. Common 1/4-inch screens are ineffective and should be replaced or retrofitted in wildfire prone areas.
  • Non-Combustible Deck and Fencing – Installing non-combustible decks and fencing can help limit the spread of fire from vegetation to the main structure.
     

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.

Insights and expertise

We help you stay ahead and informed with these helpful tips and tricks for protecting your home, car, and more.
brush fire approaching homes
Wildfire
Help protect your home from wildfires with ember-resistant vents
The right vents can help keep your home safe during wildfire season.
prevent-electrical-fires
Home
Prevent electrical fires in your home
Learn key steps you can take to make your home safer.
Why a 4-point inspection is essential for Florida homeowners
Home
Why a 4-point inspection is essential for Florida homeowners
Many insurers require Florida homeowners to get a 4-point inspection including roof, electrical, plumbing, and HVAC before issuing or renewing a policy.
Key benefits of a wind mitigation inspection of your home
Home
Key benefits of a wind mitigation inspection of your home
Inspecting and upgrading your home to help prevent wind damage can make your home safer, while potentially saving you money on insurance and repairs.
people working on home renovation
Home
10 tips for preventing fires during building and renovation work
When planning a home maintenance or renovation project, make sure your contractor and other workers follow these simple fire safety rules to keep your home safe.
wildfire
Wildfire
What to do when a wildfire approaches
If you have time to take action and the fires are far enough away that they are not threatening your safety, here are some things you can do to assist firefighters and minimize the damage to your home.
home with solar panels on roof
Home
Upgrade your home to prevent damage and help the environment
Investing in resilient improvements to your home can prevent damage caused by severe weather.
lightning striking on sky
Home
When lightning strikes: How to stay safe
Although your chances of being struck by lightning in a given year are only around 1 in 500,000, it's always a good idea to use caution when the forecast calls for thunderstorms. Here's how to keep your home and your family safe.

Find an Agent

Speak to an independent agent about your insurance needs.