Why Wildfires Are Increasing in New Mexico
Dry winters and hot summers dry fuels earlier in the year. Lightning and human activity can quickly ignite brush, and winds carry embers across canyons and ridgelines. Development in the wildland urban interface increases the number of structures at risk.
How Wildfire Risk Affects Homeowners Insurance
Underwriters consider vegetation management, roof class, siding type, slope, and access for firefighting. High-risk properties may face higher premiums or non-renewal and may need placement with excess and surplus carriers. Verified mitigation can improve eligibility.
What to Do if Your Policy Is Not Renewed
Request a written explanation and address listed conditions such as brush clearance or roof replacement. Provide before-and-after documentation. Work with wildfire-experienced agents to find markets that credit mitigation and to prevent lapses.
How to Make a Home More Fire Resistant
- Clear defensible space and maintain fuel breaks along driveways and property lines.
- Install Class A roofing and ember-resistant vents.
- Use non-combustible siding and deck materials.
- Trim trees to remove ladder fuels and maintain spacing from structures.
- Stage hoses and tools and confirm adequate water supply and access.
Community Preparedness and Prevention
Join Firewise USA efforts, coordinate neighborhood cleanups, and plan evacuation routes. Enable emergency alerts and prepare a go-bag with essential items and insurance records.
Staying Protected in a Changing Environment
Mitigation, preparation, and continuous insurance protection help New Mexico homeowners remain resilient through changing fire seasons.