Wildfires are a powerful and deadly force of nature that can wreak havoc on the lives, land, and structures that stand in their path. Protecting your property from wildfires is more crucial than ever, as wildfire season starts sooner, becomes longer, and generates larger fires, resulting in more acres and properties burned each year. As per the National Interagency Coordination Center, 60% of the largest wildfire seasons (based on total acres burned) have occurred in the last 10 years. Proactive risk management tactics can help keep the costs of wildfires down, as well as keep your business activity and your community safer in the face of such disasters.

Wildfires can cause direct property damage to government properties and private businesses, resulting in service disruptions, transportation stoppages, and utility interruptions. Concerns of lengthy and costly recovery from a wildfire could force public entities to pass on the costs to their citizens by raising taxes.

Mitigating Wildfire Exposures

Since wildfires are so damaging, entities must be proactive to help minimize the potential impacts. A wildfire risk management strategy can significantly reduce the likelihood of property damage, minimize costly business interruptions, and subsequently prevent a financially draining recovery process.

The first step in creating a wildfire risk management strategy is to assess the vulnerabilities of your property. Since wildfires depend on heat and embers coming into contact with different fuel sources to spread, one of the most effective ways to prevent a wildfire from spreading is to lessen fuel loads. Roofing, exterior walls, windows, vents, gutters, decks, and other attachments are all at risk of igniting, so choosing fire-resistant or noncombustible materials, like brick and concrete, can reduce that risk. Strategic placement and selection of trees, shrubbery, and other landscaping elements can also decrease the risk of wildfire damage. Here are ways in which you can slow the spread of wildfires, effectively minimizing the risks of damage:

  • Install Class A-rated roofing. Class A-rated roofing offers the highest resistance to fire. This covering includes concrete or clay roof tiles, fiberglass-asphalt composition shingles, and metal roofs.
  • Clear the clutter. Gutters and roofs should be cleared of debris, such as pine needles and dead leaves, to minimize the risk of ignition. This maintenance should occur at the change of the seasons and after any storms.
  • Be cautious when storing combustible items. Wooden pallets, propane tanks, flammable liquids, and other combustibles should be stored where they won’t become easy fuel.
  • Maintain or replace vent screens. Airborne embers can get into a building through vents in the roof, walls, and beneath the structure. Protect vents with a 1/8-inch metal screen to block embers, and equip chimney outlets with spark arrestors with ½-inch mesh screening. Inspect and remove accumulated debris from all vent screens.

Creating a Buffer Zone

By creating three distinct zones around your buildings, you can slow or even prevent wildfires from damaging your property.

  • Zone 1 (within 30 feet): To protect the area closest to the building, clear away all dry and dead vegetation and remove any branches hanging over the building’s roof. Be selective about which vegetation is planted and consider using noncombustible materials, such as gravel and rock “mulch.” Combustible materials, including firewood, should not be stored close to the building or within Zone 1.
  • Zone 2 (30-60 feet away): If a fire can be slowed in Zone 2, there’s a greater chance it won’t spread to the building. Fires in this zone typically spread between trees, so remove any dead vegetation, branches, and yard waste. Group trees and shrubs at least 30 feet apart and prune them consistently. Move storage sheds, trailers, furniture, and other combustible items to Zone 3.
  • Zone 3 (over 60 feet away): Zone 3 is the building’s first line of defense. Removing dead plants and trees, as well as trimming and spacing out trees and shrubs, can create firebreaks that make it difficult for the wildfire to jump between trees and other vegetation. If the building is located on a slope, Zone 3 should encompass an additional 150 to 200 feet, since fast-moving fires with longer flames can develop in these areas.

As the risk of wildfires continues to grow, entities like yours need to have plans to prepare for, withstand, and recover from such events. For more risk management guidance, contact us today.

For more information about this article, please contact your Moreton & Company consultant, or email [email protected]. This post is intended to inform recipients about industry developments and best practices. It does not constitute the rendering of legal advice or recommendations and is provided for your general information only. If you need legal advice upon which you can rely, you must seek an opinion from your attorney. © 2007, 2010, 2013-2026 Zywave, Inc. All rights reserved.