Resources & Insights

3 Ways to Address the Accelerating Threat of Wildfires

November 14, 2023

Marr Mansfield
Associate Insurance Advisor

While the weather may be cooling down, the conversation on Colorado wildfires is a hot topic year-round. The beauty of our natural surroundings is undeniable, but it also increases the risk of wildfire destruction and loss.

According to the National Park Service, nearly 85% of wildfires are caused by humans. And although we can’t eliminate human error, we can take action to protect ourselves and our homes. A recent report showed that more than 300,000 Colorado homes are susceptible to wildfire, underscoring the critical need for homeowners to take a proactive approach to managing their property risks.

We’ve seen the headlines in other states – major carriers are ceasing new homeowner insurance policies due to escalating catastrophic losses. So, what can homeowners do in the face of so much uncertainty?

Take Steps to Protect Your Home

Embers from a fire can travel up to five miles, so even homes outside an immediate fire risk zone face the possibility of damage and loss.

Here are a few critical things you can do to protect your home:

  • Create a defensible space around your home
    • Clear debris and vegetation close to your house
  • Implement structural hardening tactics
    • Use fire-resistant materials (like specialized roofing products)
  • Consider using strategic landscaping techniques to reduce the risk of fire around your home
  • Keep gutters clear of leaves and other debris, and use gutter protectors to prevent buildup in your gutters
  • Eliminate yard storage under decks or stairways

These steps aren’t just nice-to-haves – many insurance companies will send a representative to the property to verify that the homeowner has implemented fire mitigation strategies if a home is in an area with high fire danger.

Create a Wildfire Action Plan

Hope for the best, prepare for the worst. No matter where you live, it’s wise to have a fire action plan in place that’s written, actionable, and achievable so your family knows how to respond in the event of a fire.

Check out this comprehensive guide to creating an action plan.

Work with Your Local Broker

When navigating the intricacies of policies for homes in wildfire-risk areas, a local advisor can help you create a customized coverage approach.

Talk to your broker about any additional fire protection options, as some carriers will provide free fire defense services if the home is at immediate risk of a wildfire loss.

If you have questions about your property risks or coverage options, CCIG advisors are available to discuss your situation and create a specialized approach for your needs. Reach out to Marr at

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