Why Wildfires Are Increasing in Utah
Extended dry periods and below-average snowpack leave vegetation parched by early summer. Lightning and human-caused ignitions can quickly spread under canyon winds and steep terrain.
How Wildfire Risk Affects Homeowners Insurance
Underwriters consider roof and siding class, defensible space, slope, and access. High-risk properties may face premium adjustments or non-renewal and may be placed with excess and surplus lines carriers. Documented mitigation often improves results.
What to Do if Your Policy Is Not Renewed
Obtain the reason in writing and address identified items such as brush clearance or roof replacement. Provide photos and receipts. Work with agents who routinely place wildfire risks to avoid coverage gaps.
How to Make a Home More Fire Resistant
- Establish and maintain defensible space by removing ladder fuels and spacing vegetation.
- Install Class A roofing and keep roofs and gutters clean.
- Use ember-resistant vents and ignition-resistant siding and decks.
- Screen openings and store combustibles away from structures.
- Ensure clear, wide driveways for fire engines and mark addresses.
Community Preparedness and Prevention
Coordinate with neighbors on fuel reduction and evacuation planning. Monitor local alerts and red-flag warnings. Keep an emergency kit and digital copies of important documents.
Staying Protected in a Changing Environment
Mitigation, planning, and continuous insurance coverage help Utah homeowners remain resilient during wildfire season.