Why Wildfires Are Increasing in Idaho
Hot, dry summers and increased vegetation growth after wet periods create abundant fuels. Expansion into forested valleys and foothills places more homes in high-risk zones.
How Wildfire Risk Affects Homeowners Insurance
Insurers evaluate fuel clearance, roof and siding class, access roads, and water availability. High-risk properties may face higher premiums or non-renewal and need placement with surplus carriers. Evidence of mitigation can improve outcomes.
What to Do if Your Policy Is Not Renewed
Request the reason in writing. Correct brush, roofing, or access issues and resubmit with documentation. Engage agents who work routinely with wildfire exposures to avoid gaps in coverage.
How to Make a Home More Fire Resistant
- Establish defensible space, remove ladder fuels, and maintain spacing.
- Install Class A roofing and keep roofs and gutters clean.
- Use ember-resistant vents and non-combustible siding and decks.
- Store firewood away from structures and maintain a clear address marker.
- Ensure driveways allow engine access and turnouts.
Community Preparedness and Prevention
Join Firewise efforts, participate in neighborhood cleanup days, and coordinate evacuation routes. Monitor alerts and prepare go-kits and document backups.
Staying Protected in a Changing Environment
Mitigation and continuous insurance coverage help Idaho homeowners reduce losses and recover faster after wildfire events.