Tame the Flame:7 Ways to Protect Your Property from Wildfires
Once upon a time, wildfire season used to encompass just a few months of the year. Unfortunately, in recent times wildfires have become a year-round occurrence. Increasingly hotter, and drier conditions brought on by climate change mean that larger, more frequent wildfires are becoming the norm.
In 2021, the National Interagency Fire Center (NFIC) reported that a total of 58,733 wildfires across the country burned more than 7 million acres. In more tangible terms, this amounted to 5,972 structures being burned by wildfires, including 3,577 homes, 2,225 minor structure, and 237 commercial and mixed use structures. And according to Verisk’s latest wildfire analysis, over 4.6 million homes in the United States are at high or extreme risk from wildfire.
However, if you own a business or reside in a wildfire prone region, there are steps you can take to protect your home and assets. Though no building is completely fireproof, taking precautions can help protect your home or business from the worst possible outcome.
1. Create Defensible Space Zones
Reducing wildfire risk starts with the creation of defensible space zones, which serve as a layer of protection between your house or business and the approaching wildfire. Defensible space zones are broken out into three zones: Zone 1, Zone 2, and Zone 3.
The Immediate Zone, or Zone 1, is the 0 feet to 5 feet closest to your house and the most vulnerable, which is why it should be aggressively maintained for fire resistance. Avoid using combustible landscaping materials like dry bark or mulch, keep plants next to the house area well-watered, and use non-combustible outdoor furniture. Also, be sure to remove tree branches that hang over your roof and relocate woodpiles at least 30 feet from any structures.
Zone 2, also known as the Intermediate Zone is 5 feet to 30 feet from the perimeter of a building and usually includes things like structures, accessory buildings, decks, and yards. Be sure to remove dead plants and dry leaves from the yard, roof, and gutters. Trim trees regularly and keep trees at minimum 10 feet from other trees.
Zone 3 is the Extended Zone, which is typically 30 feet to 100 feet from buildings. Keep grass cut to four inches, don’t let plant debris accumulate to large piles, and create horizontal and vertical space between shrubs and trees.
2. Proof Your Roof
Using flameproof materials for your roof can be the difference between a building being destroyed or surviving a wildfire. Roofs constructed from nonflammable materials, such as metal, slate, tile, or asphalt shingles are a strong line of defense against embers from wildfires, which often land on roofs. Wood shingles are a common roofing material, and while homeowners can treat these materials with fire retardant or install rooftop sprinkler systems, the safest bet is to reroof with nonflammable materials. It’s also important to keep gutters and roofs clear of dead greenery and anything else that’s flammable. Consider installing gutter guards that will prevent flammable materials from accumulating in the first place.
3. Form a Secure Perimeter
If something is attached to or touching a building, treat it as though it is a part of the structure. Something catching fire next to a building can be as disastrous as something burning on or within it. If you use mulch, replace it with gravel or stone mulch products. If you have plants near a building, keep them watered, and remove them if they die. Consider separating wood fences from buildings with metal or masonry barriers and keep combustible vegetation and materials away.
4. Keep Embers out of Eaves and Vents
Protect buildings with eaves from burning from the inside out by keeping the underside of your eaves clean and clear of anything that might cause embers to accumulate. When fires reach areas below open eaves, heat gets trapped and ignites exposed materials. Also, install covers called soffits to protect the undersides of eaves and use 1/8 inch or finer metal mesh in the vents. Embers can enter vents that don’t have screens and put your home at risk. If you have a pet door, make sure it has an effective seal and keep it closed during fire season.
5. Fireproof Windows, Walls, and Decks
All windows and skylights should have screens, and if you don’t have double-paned and tempered windows, consider making the upgrade. This type of window can withstand higher temperatures and keep embers outside of buildings. Wood is often used for boards, panels or shingles and is common siding material, but wood is extremely flammable and not a good choice for fire-prone areas. Think about building or remodeling your walls with ignition-resistant building materials, including fiber cement wall siding, stucco, fire retardant treated wood, or other approved materials. Decks should also be built with ignition-resistant or non-combustible materials. Don’t store combustible materials beneath your deck.
6. Work Together
If you’ve taken the necessary precautions to protect your home or business, but neighbors haven’t, then your efforts will be far less effective. This is especially true in densely populated areas. In these cases, community efforts to fireproof are just as important as what individual property owners do to fireproof. The U.S. Forest Service also has a program that helps build communities that protect themselves against fires, and more than 1,400 sites nationwide have implemented community-level wildfire action plans under this program. You can learn more about this program on the National Fire Protection Association website.
7. Plan for Emergency Responder Access
In the unfortunate event that a wildfire does threaten your home or business, ensuring emergency responders are able to access your property is crucial. Make sure that street names and numbers are clearly legible, and that driveways are big enough to allow
firefighters and first responders to access the premises.
Wildfires are unpredictable and move quickly, which is why taking a proactive approach to protect what matters most to you is worth the effort. Connect with us to review your existing policies and coverages should also be a part of your wildfire emergency planning strategy. Don’t wait until it’s too late.
This material has been prepared for informational purposes only. BRP Group, Inc. and its affiliates, do not provide tax, legal or accounting advice. Please consult with your own tax, legal or accounting professionals before engaging in any transaction.