Severe drought and extreme June heat across the western United States created dangerous conditions for wildfires earlier than usual in 2021.1 Scattered September rainfall was offset by above-normal temperatures, and conditions were still critical going into the heart of the fire season from October through December.2
As of September 24, more than 45,000 fires had torched almost 5.8 million acres across the United States, with most of the damage in the West. There were 67 active large fires burning in 11 states, including Idaho, Montana, California, Washington, Oregon, Wyoming, Nevada, Oklahoma, Colorado, Minnesota, and Utah.3 The Dixie fire in northern California – the second largest wildfire in state history – wasn’t fully controlled yet, and had consumed more than 960,000 acres and destroyed over 1,300 structures.4
Know your risk
Although, the hot, dry West generally faces the highest risk, there were wildfires in every state in 2020.5 Understanding the fire risk to your own home and to areas you visit or travel through is crucial.
About 90% of wildfires in the United States are related to human activities – including causes such as unattended campfires, burning debris, downed power lines, discarded cigarettes, and arson.6 The devastating 2018 Carr fire in northern California was caused by a malfunctioning tire or wheel assembly on a trailer, which sent sparks into dry brush.7 The other 10% of fires are started by lightning or lava.8
Maintain a survivable space
Here are some important steps you can take to help protect yourself, your loved ones, and your home from wildfires.
|Create a perimeter||Create a defensible perimeter around the outside of your home. This should include a five-foot diameter space of non-combustible materials such as gravel, brick, or concrete, adjacent to your house. It also should include an additional 25-foot diameter space where you’ve removed shrubs under trees, thinned trees, pruned branches overhanging the roof and cleared dead vegetation. If you have sheds, trailers, or other structures in this area, create a 5-foot defensible space around those.|
|Flammable materials||Clean roof surfaces and gutters of pine needles, leaves and branches to avoid accumulation of flammable materials.|
|Combustibles||Keep all combustibles such as firewood, picnic tables and boats away from structures.|
|Non-flammable screen||Attach a non-flammable screen over the flue opening of every chimney or stovepipe. Mesh openings of the screen should not exceed 1/2 inch. Cover vents with 1/8-inch mesh.|
|Fire-resistant roofing||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 ashes||Dispose of stove or fireplace ashes and charcoal briquettes only after soaking them in a metal pail of water.|
|Storing gasoline||Store gasoline in an approved safety container away from occupied buildings.|
|Propane tanks||Place propane tanks far enough away from buildings for valves to be shut off in case of fire. Keep the area clear of flammable vegetation.|
|Garden hose||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:
- An emergency supply kit
- A list of possessions to take with you
- 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 at ReadyForWildfire.org/Wildfire-Action-Plan.
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.
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1,5,6,8Insurance Information Institute, 2021. 2National Drought Mitigation Center, September 14 & 21, 2021. 3National Interagency Fire Center, September 24, 2021. 4Cal Fire, September 24, 2021. 7KRCR News, March 30, 2021.
This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2021 Broadridge Financial Solutions, Inc.