Why Wildfires Are Increasing in Oregon
Lower humidity, drought, and seasonal winds push fires rapidly across slopes and canyons. More homes in forested foothills and river corridors increase structure exposure and complicate suppression.
How Wildfire Risk Affects Homeowners Insurance
Carriers review siding and roof materials, vegetation clearance, and community risk scores. High-exposure properties may face increased premiums or non-renewal, with some placed in excess and surplus markets. Demonstrated mitigation can improve availability and terms.
What to Do if Your Policy Is Not Renewed
Ask for a written explanation, complete the listed mitigation, and provide evidence. Work with an agent who regularly places wildfire-exposed homes to identify receptive markets and avoid lapses.
How to Make a Home More Fire Resistant
- Create defensible space, removing dead vegetation and maintaining ignition-resistant zones near structures.
- Install Class A roofing and clear roofs and gutters.
- Fit ember-resistant vents and seal gaps.
- Use non-combustible siding and deck materials and break wooden fence connections at the home.
- Maintain access and water sources where possible.
Community Preparedness and Prevention
Support local fire-adapted community programs, fuel reduction, and evacuation planning. Keep emergency alerts active and practice readiness during peak season.
Staying Protected in a Changing Environment
Hardening, defensible space, and suitable insurance coverage help Oregon homeowners protect property and safety during wildfire seasons.