Why Wildfires Are Increasing in Colorado
Prolonged dryness and wind events promote ember transport and rapid spread, especially along the Front Range and mountain communities. Expansion into the wildland urban interface has added more structures in high-exposure zones.
How Wildfire Risk Affects Homeowners Insurance
Insurers assess roof class, siding, vegetation management, and fire access. Some homes face higher premiums, inspections, or non-renewal, while others are placed with excess and surplus carriers. Thorough mitigation documentation can improve underwriting decisions.
What to Do if Your Policy Is Not Renewed
Obtain the reason in writing, complete corrective actions, and submit proof. Engage an agent experienced with wildfire risks to locate carriers open to mitigated properties and maintain continuous coverage.
How to Make a Home More Fire Resistant
- Maintain defensible space with reduced fuels within 30 to 100 feet of structures.
- Install a Class A roof and clean roofs and gutters regularly.
- Use ember-resistant vents and seal gaps at eaves and soffits.
- Choose non-combustible siding and deck materials.
- Remove ladder fuels and thin tree canopies near structures.
- Ensure roads and driveways allow fire apparatus access.
Community Preparedness and Prevention
Participate in local mitigation grants and neighborhood fuel-reduction projects. Subscribe to local alerts and prepare evacuation plans. Keep an updated inventory and off-site copies of important documents.
Staying Protected in a Changing Environment
With defensible space, hardening, and appropriate insurance, Colorado homeowners can reduce wildfire impact and improve recovery outcomes.