Brad Sawyer
Risk Advisory Leader
Dry winds begin to rustle through canyon trees. Hillsides that looked lush in spring begin fading into muted shades of gold and amber. And while you’re still enjoying the warm days hiking new trails and cool nights cozied up under blankets, what has traditionally been thought of as wildfire season has made its return. Yet for many homeowners, especially those with properties tucked into mountain communities, coastal ridgelines, or wooded retreats, wildfire season is now year-round.
Further complicating matters is that what was once a concern confined to areas like hillsides in California, Colorado, and the Pacific Northwest has migrated east, creating a risk for homeowners who may not expect it. Wildfire activity in the U.S. has been more active than historical norms in 2026. According to the National Interagency Fire Center (NIFC), by early May, more than 1.88 million acres had burned nationwide—above the 10-year average for the same period—with active fire behavior across Georgia, Florida, North Carolina, New Mexico, Oregon, and Southern California simultaneously.
While no amount of preparation can remove risk entirely, thoughtful mitigation strategies may help reduce vulnerabilities and improve a property’s ability to withstand wildfire-related threats.
Nearly 85% of wildfires in the U.S. are caused by humans and are preventable, according to the National Interagency Fire Center (NIFC), which means prevention and preparation through home hardening may have a meaningful impact when it comes to protecting your property.
Home hardening involves construction choices, materials upgrades, and maintenance practices that reduce a structure’s susceptibility to ignition from fire exposure, radiant heat, and embers. CAL FIRE’s home hardening guidance identifies the roof, vents, eaves, windows, decks, and the area immediately surrounding the structure as some of the high priority focus areas.
When people picture wildfires, they often imagine towering flames racing toward homes. In reality, embers are frequently responsible for igniting flames. According to the Insurance Institute for Business & Home Safety (IBHS), wind-driven embers are the leading cause of home ignitions in wildfires. A home does not need to sit directly in the path of flames to be at risk of damage. Embers can travel more than a mile ahead of a fire, reaching homes long before firefighters can respond. Embers can quickly spark fires in the following spaces:
Ember intrusion through attics and crawl space vents is a common ignition pathway. Vents with openings larger than 1/8 inch are designed to keep pests out but are more susceptible to embers. Replacing standard vents with ember-resistant vents or retrofitting openings with 1/8 inch or 1/16 inch wire mesh is recommended by IBHS to address wind-driven ember risk.
A wood shake or shingle roof is among the most significant wildfire vulnerabilities a property can have. Not only is a wood shake roof prime ignition material, but it’s also difficult to insure—many carriers are reluctant to take on the risk associated with these classic-styled homes. One answer: Class A-rated roofing materials are designed to limit flame spread and resist ember ignition.
Materials commonly recommended in wildfire-prone areas include:
For existing Class A roofs, regular removal of leaf and debris accumulation from gutters and roof surfaces is an equally important maintenance practice. If gutters are due for replacement, metal gutters are preferable to vinyl, which can catch and propagate fire.
Defensible space and home hardening work together. Hardening reduces a structure’s ignition risk, while defensible space reduces the fire intensity that reaches the structure in the first place. Neither is fully effective without the other.
Maintaining a fire-resistant zone at least 30 feet from any structure is recommended. Key defensible space practices include:
The 0–5 foot area around a structure—often called “Zone 0”—is critical. This area where embers accumulate is often considered the most critical for prevention.
Consider making the following changes in that area:
Learn more about your entire properties defensible space and steps you can take to improve it.
Technology cannot stop a wildfire, but it may help you respond more quickly when issues arise. Depending on the property, you may consider:
Even a hardened home requires an evacuation plan. Wildfires can accelerate quickly, and as the Los Angeles fires demonstrated, wind-driven events can outpace emergency responses. The Federal Emergency Management Agency (FEMA) recommends having a plan before conditions become dangerous. Keep these things in mind:
Wildfire awareness is more than protecting square footage. Homes often hold family traditions, personal milestones, heirlooms, and memories that cannot easily be replaced.
While wildfire seasons may continue evolving across many parts of the country, preparation remains one of the more practical tools homeowners have. We work with clients to help evaluate risk exposures, review insurance strategies, and support preparedness efforts tailored to complex properties and lifestyles. Wildfire resilience is rarely built through one single upgrade. More often, it comes together through careful planning, maintenance, and informed decision-making before smoke settles on the horizon.
Request an insurance review with an experienced Personal Risk Advisor to ensure you're adequately insured for whatever life may bring.
Risk Advisory Leader