Why Wildfires Are Increasing in Nevada
Cycles of wet growth followed by summer drought create abundant fuels. More homes are located in the wildland urban interface, and human-caused ignitions add to lightning-driven starts. Steep canyons and valley winds accelerate fire behavior.
How Wildfire Risk Affects Homeowners Insurance
Insurers assess fuel loads, slope, access, and construction class. High-exposure properties may see higher premiums, required inspections, or non-renewal. Some risks are placed with excess and surplus lines carriers. Providing mitigation documentation and access improvements can improve outcomes.
What to Do if Your Policy Is Not Renewed
Get the reason in writing, correct identified issues, and resubmit with evidence. An agent experienced in wildfire risk can identify carriers that recognize mitigation and help avoid a lapse.
How to Make a Home More Fire Resistant
- Establish defensible space to at least 30 to 100 feet, removing dead vegetation and spacing plants.
- Use a Class A roof and clear gutters and roof valleys regularly.
- Install ember-resistant vents and seal gaps around eaves and soffits.
- Use non-combustible materials for siding, decks, and fencing that touches the home.
- Store firewood and propane away from structures.
- Provide turnarounds and visible address markers for responders.
Community Preparedness and Prevention
Participate in neighborhood fuel-reduction days and evacuation drills. Sign up for county alerts and follow red-flag warnings. Maintain water sources and hose lines where feasible, and coordinate with local fire agencies.
Staying Protected in a Changing Environment
Through defensible space, hardened construction, and continuous coverage, Nevada homeowners can reduce wildfire losses and recover more quickly after events.