Written by: Terry Buckner
Wildfire Preparedness: 10 steps to Reduce Risk
Wildfires continue to impact communities throughout the western United States, affecting homes, businesses, public spaces, and critical infrastructure. While no one can eliminate wildfire risk completely, taking preventive measures before fire season intensifies can help reduce property damage, improve safety, and strengthen recovery efforts if a loss occurs.
Preparedness isn’t just about responding when a wildfire is nearby. The most effective protection happens well before smoke appears on the horizon.
Here are 10 steps property owners can take to better prepare for wildfire season.
- Create Defensible Space Around Buildings
One of the most effective wildfire mitigation strategies is maintaining defensible space around structures.
Remove dry grass, weeds, brush, firewood piles, and other combustible materials located near buildings. A clear perimeter can help slow the spread of fire and improve access for emergency responders if wildfire activity reaches the area.
- Keep Roofs, Gutters, and Exterior Surfaces Clear
Leaves, pine needles, and debris can quickly accumulate on roofs, in gutters, and around buildings.
During a wildfire, wind-driven embers can ignite these materials and create additional fire hazards. Routine maintenance and cleanup can significantly reduce exposure to ember-related ignition.
- Maintain Trees and Landscaping
Well-maintained vegetation helps reduce the amount of fuel available to a fire.
Trim tree branches away from rooftops, chimneys, windows, and exterior walls, and keep shrubs and landscaping properly maintained. Creating separation between vegetation and structures helps reduce fire spread potential.
- Secure Buildings When Wildfire Threatens
If wildfire activity is occurring nearby, property owners should take appropriate precautions to reduce the entry of smoke, ash, and embers.
Closing exterior windows, doors, and other openings can help improve indoor air quality and reduce the potential for airborne embers to enter the structure.
- Consider Indoor Air Quality During Smoke Events
Wildfires often present air quality concerns even when flames are miles away.
Many HVAC systems are designed to bring outside air into a building. Property owners should understand how their systems operate and consult HVAC professionals regarding appropriate adjustments during periods of heavy smoke.
- Evaluate Roof and Attic Vent Protection
Vents can provide a pathway for embers to enter attics and other concealed spaces.
As part of a broader wildfire preparedness strategy, property owners may want to discuss wildfire-resistant venting options and protective upgrades with qualified contractors or building professionals.
- Move Combustible Materials Away From Structures
Outdoor furniture, propane tanks, pallets, storage materials, firewood, and other combustible items should be positioned away from buildings whenever possible.
Reducing fuel sources near structures can help limit ignition opportunities and slow fire spread.
- Document Buildings, Assets, and Valuable Property
One of the most overlooked preparedness steps is maintaining accurate documentation.
Before fire season, take photographs and videos of buildings, equipment, inventory, furnishings, and other valuable assets. Maintain copies in a secure digital location. Thorough records can help streamline the claims process and improve recovery efforts following a loss.
- Review Insurance Coverage Before Fire Season Peaks
Wildfire preparedness should include a proactive review of insurance coverage.
Property owners may benefit from reviewing:
- Applicable deductibles
- Property coverage limits
- Smoke damage coverage
- Debris removal provisions
- Business interruption or loss of income coverage
- Additional living expense benefits
- Documentation requirements during a claim
Understanding coverage before a loss occurs can help reduce uncertainty during an already stressful situation.
- Build a Wildfire Preparedness and Recovery Plan
Preparation extends beyond protecting physical property.
Consider creating a plan that outlines:
- Emergency contacts
- Evacuation procedures
- Asset documentation locations
- Employee communication protocols
- Business continuity strategies
- Recovery resources
Planning ahead can help improve response times and reduce operational disruption if wildfire activity impacts your area.
Preparation Is One of the Best Investments You Can Make
Wildfires can develop quickly, but preparation doesn’t have to be complicated.
By taking proactive steps to reduce fuel sources, protect structures, document assets, and review insurance coverage, property owners can improve resilience and make recovery easier if a loss occurs.
At Buckner, we believe risk management starts long before a claim is filed. Helping clients prepare for emerging risks is part of protecting what matters most.
If you have questions about your property coverage, risk exposures, or wildfire preparedness planning, our team is here to help.