Why Wildfires Are Increasing in Washington
Higher temperatures, lower humidity, and expanded development in the wildland urban interface contribute to larger fire footprints. Wind canyons and slopes promote ember transport and rapid spread.
How Wildfire Risk Affects Homeowners Insurance
Carriers assess vegetation clearance, building materials, access, and proximity to firefighting resources. Elevated-risk homes may see higher premiums, inspections, or non-renewal, with some placed in surplus markets. Verified mitigation helps.
What to Do if Your Policy Is Not Renewed
Request a written explanation and correct listed items. Provide documentation and engage an agent experienced with wildfire-prone properties to locate receptive markets and maintain continuity.
How to Make a Home More Fire Resistant
- Clear defensible space 30 to 100 feet from structures and remove dead debris.
- Use Class A roofing and clean gutters often.
- Install ember-resistant vents and seal eaves and gaps.
- Choose non-combustible siding and deck materials.
- Maintain accessible driveways and visible addresses.
Community Preparedness and Prevention
Participate in Firewise programs, follow burn bans, and sign up for county alerts. Keep evacuation kits and practice routes during peak season.
Staying Protected in a Changing Environment
Property hardening, defensible space, and appropriate insurance help Washington homeowners manage wildfire exposure effectively.