Why Wildfires Are Increasing in Arizona
Higher temperatures and variable precipitation promote fast vegetation growth followed by drought that dries fuels. Development has expanded into the wildland urban interface, where homes are interspersed with forests and grasslands. Wind events can carry embers over long distances, creating spot fires and rapid spread.
How Wildfire Risk Affects Homeowners Insurance
Underwriters evaluate vegetation density, slope, access for fire response, roof and siding materials, and distance to hydrants or stations. Homes in high-exposure zones may face higher premiums, inspection requirements, or non-renewal. Some properties are placed with excess and surplus lines carriers that specialize in elevated risk. Documented mitigation can improve eligibility.
What to Do if Your Policy Is Not Renewed
Request the reason in writing. Address correctable issues such as brush clearance, roof condition, or access. Provide photos and receipts for completed work. Work with an agent experienced in wildfire zones to locate markets that consider mitigation and to avoid a coverage lapse.
How to Make a Home More Fire Resistant
- Create defensible space by clearing vegetation and debris 30 to 100 feet from structures, adjusting for slope and terrain.
- Install and maintain a Class A fire-rated roof and keep gutters free of needles and leaves.
- Screen attic and crawl-space vents with fine metal mesh to block embers.
- Use non-combustible siding and decks and separate wooden fences from the home with a non-combustible break.
- Remove ladder fuels by pruning lower branches and spacing plants.
- Ensure driveways are accessible for firefighting vehicles and that addresses are clearly visible.
Community Preparedness and Prevention
Join or form Firewise USA programs to coordinate fuel reduction and evacuation planning. Follow local burn restrictions and red-flag warnings. Keep emergency alerts enabled and prepare a go-kit, including copies of insurance documents and an up-to-date home inventory.
Staying Protected in a Changing Environment
Wildfires will remain part of Arizona's landscape. By combining mitigation, defensible space, and continuous insurance coverage, homeowners can reduce risk and improve resilience during future seasons.