RedZone has highlighted five lesser-known areas where homeowners have increased wildfire risk
- Mid-slope areas
- Areas Adjacent to Wildland Fuels
- In the Ember Zone
- In Urban Canyons
- Proximity to Highway Grade
Here at RedZone we take pride in how our technology empowers stakeholders to make informed decisions about wildfire risk. Especially since 2017. Other models often don’t provide an accurate wildfire risk assessment. As a result, Underwriters and Catastrophe Managers spend more time researching additional data. RZRisk delivers the exact resources and information underwriters need to efficiently and confidently assess wildfire hazard, saving them time and money. One of our favorite things to do is to take a step back and evaluate how our risk model performed after wildfires cause losses. RedZone did this recently with California’s most destructive fire ever, November 2018’s Camp Fire.
Unfortunately for most, after a wildfire has passed is when the real work begins. The wildfire may not have impacted the home with direct flame impingement, but even from a distance a wildfire can have many negative effects on a structure. Indirect damage from wildfires can come in many forms, one of the most common being smoke damage. This byproduct of wildfire is a nearly super heated gas that is compromised of carbon dioxide, carbon monoxide, water vapor, and other toxic particulates that are created during combustion. While a fire is moving in the direction of a home, smoke is constantly being created and pushed towards impacting the structure. (Read more on smoke coloration studies here.)
Any space that is not airtight in your home is likely to fall victim to some of the negative impacts that smoke can have. Some of the areas that are the most common entrances of smoke to a structure would be doors (or any means of ingress and egress for residents and pets), windows, and central air ducts. With enough smoke, these air ducts can be a very efficient means of transportation to areas of the house that one would think are relatively inaccessible to particulate matter.
Once the smoke has entered the structure, it is difficult to stop the damage that follows. This troublesome gas usually leaves soot strewn throughout the home as well as, leaving foul smelling odors throughout the fabric of the home. These odors can be much more hazardous than just an unpleasant smell. The framework and materials of the structure can hold the particulate matter that has been shown to be a carcinogenic in some cases.
The most common response is “Document”. Document from the first time entering the home since the incident when the damage occurred, and every step in the reimbursement, replacement, and refurbishing process. Documenting these steps will provide records for your interactions with your insurance providers and ultimately make the entire process much smoother for all parties involved. Once the initial damage has been reported, an inspector may be necessary to finalize the reporting process. Going forward, there are two major choices that need to be made: will the damaged materials be replaced or will they be refurbished or cleaned. If the damage to clothing or fabric is minimal to the point that cleaning the surface/clothing is an option, professional cleaners will need to be hired to remove all of the soot and particulate matter from the smoke that settled in the home.
Specialists are calling the 2018 wildfire season part of another record-breaking year, specifically due to the property losses in California. They’re also predicting another detrimental 2019 wildfire season. Even though 2018 had less wildfires than 2017, the harm and size surpassed 2017 significantly. With megafires on the rise, companies need to reconsider their risk approach so they can confidently underwrite wildfire threats and proactively receive alerts to grow their portfolios and protect people.
With Lake County now holding the title of the largest fire in California’s recorded history, the Ranch Fire of the Mendocino Complex, it leaves one to wonder what exactly it is that’s producing the conditions for these enormous fires to thrive in this area. It has been estimated that in the last 5 years, over 55 percent of the surface area in Lake County has burned in wildfires. It has become an unfortunate understanding of the residents that have chosen to settle in this county that it is not if a big fire will occur, but rather, when will the next one occur. In regards to wildland fire, there are three main elements that are known to have the most impact on fire behavior: weather, topography, and fuels. Unfortunately for Lake County, the area has all three of these influential factors working against the fire regime of the area.
Lake County is located in the Coastal Range of northern California, on the west side of the Sacramento Valley. Lake County resides in a mid-altitude area that is high enough above sea level to be above the influence of the marine layer, but not high enough in the mountains to feel impacts of the cooler upper atmospheric air. In the center of the county rests Clear Lake, which is the lowest point in elevation throughout the entire area. Surrounding this geographic feature are seemingly endless mountains, hills, and valleys extending in every direction until they arrive in the northern reaches of the Mendocino National Forest. These areas of tremendous elevation variation are where fires tend to thrive. Fires are able to take advantage of these slopes to preheat the fuels up-slope from the fire, while simultaneously utilizing the convection column of hot gasses being funneled through these drainages to fuel the fire’s spread.
The local weather patterns of Lake County tend to have a negative impact on fire behavior in the area. During fire season, the predominate winds blow from the northwest, with the occasional shift coming from the northeast, bringing the warm and dry air from the northern portion of the Sacramento Valley into the area. On the extreme side of the spectrum are Foehn Wind events that cause extreme fire behavior when they occur. Foehn or “sundowner” winds bring hot, dry air into the area, with an uncharacteristic down-slope flow that allows fire to spread at unfathomable rates. When these events occur, fires can continue to burn actively through the night which is usually the time when fire behavior begins to moderate.
Lake County is relatively diverse in terms of the vegetation species throughout the county’s boundaries. Nearly every major fuel type that exists is contained within the county including grasslands, oak woodlands, brush, mixed conifer forests, and hardwood forests. Due to the wide spectrum of vegetation species here, fires can range from low intensity grass fires, to extremely high intensity forest fires. The map below depicts the vegetation classifications throughout the entire county. Starting in the southern areas of the county, the predominate fuel type is comprised of annual grasses and oak woodlands. As you move up in elevation on both the east and the western side of Clear Lake, the fuel type primarily changes to a chaparral-based fuel bed. Progressing further north into the Mendocino National Forest, the dominant fuel type changes once again to one of a heavy timber, mixed conifer, and hardwood forested area.
The reasons above are all variables in what seems to be a devastating half-decade of fire history for the Lake County region. The complicated wildfire situation in this area has been influenced by the recent years of drought, which has decreased the available moisture in the region, drying out the vegetation and furthering their susceptibility to fire. Lastly, Lake County has had an increase in residency due to increasing interest in the Napa/Sonoma Wine country. With more human influence comes the increased probability of fires igniting.
Will this information impact insurance companies when considering existing policies, writing future business, or even adjusting premium rates in this county? Does this amount of fire activity in such a small time frame deter insurance carriers from writing new business in these areas? These recently charred areas should be considered as an opportunity to obtain new clientele due to the diminished risk from wildfire in the upcoming years based off the lack of vegetation. Some factors to take into account would be the return interval rate of fire in each of these fuel types. This knowledge would give an estimation of how long that specific site will have before it is ready to burn if the new vegetation is the same species. For example, Chaparral brush which, is a large portion of Lake Counties fuel, has a highly variable fire return interval ranging from 10 to over 100 years. If properly managed an individual could easily keep fire from returning to the landscape for a long period of time. Another advantage of insuring homeowners in recent burn areas, is the opportunity to educate them with advice on how to manage the vegetation around their home as it begins to regrow. This would in turn, promote defensible space around the structure, and give the client a piece of mind that their insurance company cares for their home, while simultaneously protecting the insurers investment.
Mid-slope is an area commonly thought of as midway up a hillside, in this case, were using in terms of how it’s viewed in a wildfire-prone area. Homes are built and bought in these areas which are one of the least safe places to be during a wildfire. Typically, wildfires burn up a slope faster and more intensely than along flat ground. The steeper the slope the longer the flame lengths and faster-moving the fire. Any slope can potentially increase the amount of heat a structure will be subject to during a wildfire, enhancing wildfire risk.
Not only is a home in this area more at risk, fire-fighting operations there are increasingly dangerous as well. Just one example from a few years ago, a mid-slope fatality is now a lesson learned from the Coal Canyon Fire in Fall River County, South Dakota. Essentially, firefighting orders will not allow for crews to work mid-slope assignments above a fire without large defensible space or a barrier/structure. Due to the adherent wildfire risk, both Fire Prevention Divisions and Underwriting guidelines suggest an aggressive vegetation modification and maintenance plan if the home or business is located mid-slope or at the top of a steep slope. The insured must also be aware of building materials used, especially if the structure is set back less than 15 feet.
It is well known that neighborhoods in or bordering the Wildland Urban Interface (WUI), have a greater risk for impact by wildfire. In depth studies have learned that within those neighborhoods, homes on the outskirts have a higher risk than those located more interior. One of the main reasons why homes bordering the natural vegetation are at a higher risk of ignition is the lack of any buffer between the structure and the surrounding vegetation. These homes are located in extremely close proximity to the natural vegetation of the surrounding area and, thus, vulnerable to more direct flame impingement. This effect is exacerbated if the individual property owner has not taken the time to prepare his or her land for the occurrence of a wildland fire threatening their property.
Conversely, homes within the development have defensive barriers surrounding them. The inner structures have roads separating them from the structures bordering the surrounding natural vegetation and topography. These interior homes also are more likely to have moisture-rich vegetation such as, lawns, gardens, and manicured brush, making for more difficult sources of ember ignition.
The Sage Fire, near Simi Valley, CA is a good example of the homes located on the outskirts of these neighborhoods being at higher risk than the ones located within. As the fire made a push upslope to the ridgeline, it also spread out following property barriers on the outskirts of the neighborhood. The homes bordering the flame front were at a very high risk of the fire finding an ignition source to endanger it. Homes deeper into the neighborhood were less vulnerable because of the barriers aforementioned and those provided by the outlying homes. In the case of the Sage fire, no homes were impacted due to a small fire break in the vegetation immediately bumping the properties.
The “Ember Zone” can be defined as the area that could potentially have ember fall out due to a fire burning in the near vicinity. This zone can be up to a mile away from an active wildfire, depending on the size of the fire and wind speed. These embers are thrown from the fire and carried by the wind in the direction that it is blowing. If embers are hot enough and land in a receptive fuel bed, this can lead to an ignition of a spot fire ahead of the active fires edge. Spot fires caused by embers pose a threat because they sometimes go unnoticed for an extended period of time by fire personnel. This is especially the case when spot fires ignite at a distance away from the head of the fire. The longer the new start has to become established, the harder it is for firefighters to respond effectively to save structures in the path of the newly ignited spot fire.
Another way the Ember Zone can pose a threat to a homeowner would be the process of the embers being blown into uncovered vents on the home, or an ignition source located near or inside the home, resulting in a fire starting in the structure itself. An example of how the Ember Zone proved catastrophic is in the Waldo Canyon Fire near Colorado Springs, Colorado. This fire experienced a drastic wind shift during the second operational period. This wind shift threw embers upwards of half a mile in the direction of the structures located in Colorado Springs. 346 homes were lost in the tragic fire of 2012, some of these were a direct result of ember fall out. Others were lost because of their direct contact with the active fires edge.
San Diego is known for its mix of wild canyons in between urban, even historic, developed neighborhoods. Most canyons have homes butting up adjacent to the canyon walls, due to San Diego’s unique mesa and valley/canyon landscape. These canyons offer convenient hiking trails and a natural landscape that is unique in an urban environment. They also provide heavy fuels, steep slopes, and human activity that lead to dangerous fires that often threaten homes. A relatively small wildfire can threaten many homes in these environments.
If you are considering buying a home near a highway grade, you may get a nice view but could also be at higher risk for wildfires. Steep highway grades add additional complexity and stress on vehicles. Traffic collisions, mechanical failure, electrical issues, and fuel system malfunctions can cause vehicle fires that can extend to vegetation as well. According to the National Fire Protection Association, there is an average of 152,000 vehicle fires per year in the United States. Poorly maintained vehicles, put under stress while climbing up or braking down grades, can break down. As the driver pulls over to the shoulder or off the road entirely, catalytic converters, brakes, dragging exhaust parts, or cigarette butts can ignite dry grasses along a highway. Also, improperly loaded trailers can drag chains; creating sparks that can ignite grasses as the vehicle passes by unknowingly. All of these things can happen at any point along a highway, but the added stress and heat generated by steep grades increases the likelihood of a fire starting and therefore wildfire risk.
Over the last thirty years, the length of wildfire season has increased by nearly 20% around the world. In California, the idea of wildfire ‘season’ is nearly laughable as large growth, damaging wildfires happen year-round on a regular basis now. While wildfires can happen just about anywhere, the western US States are usually at greater risk for experiencing wildfires. Higher rates result from this increased risk and, in some areas, the insurance companies may not offer coverage at all.
As approximately one-third of homes in the United States are in the Wildland Urban Interface (WUI), insurance companies are updating what is and is not covered in cases of wildfire. Insurance companies may factor in wildfire history in the area, home construction materials, vegetation, and topography, for example. In a few of the highest risk areas in the country, some insurance companies have opted to avoid writing policy coverage at all!
When structuring your policy, be sure to ask questions to know what is covered and how you are protected in case of wildfire. Policies may cover additional living expenses (ALE, in case damages or loss make your home uninhabitable), fire department service charges, or repairs and debris removal after a covered loss. There may be an additional option for fire insurance specifically for your non-primary residence. Different carriers offer different protections and add-ons, so be sure to know what you need.
Vegetation, alone, on your property isn’t necessarily a cause for concern. Insurers will typically take into account the location and type, as well as density, of the surrounding vegetation. Fire stations and hydrants near your home alleviate some levels of risk as there are preventative resources near the home should a wildfire emergency occur. Topographical features could play heavily on your potential extra costs. If you live in or near notable high risk areas, such as a canyon or the deep woods, additional insurance charges may be added to cover the increased risk to your home from wildfire. Roof type, along with eaves and siding materials, may also play a factor. For example, a wood roof (even if treated) is at much higher risk of catching fire from embers than a clay tile roof.
Homeowners can ensure they maintain significant defensible space that can help slow or stop a wildfire from spreading to your home and property.
Do not be discouraged! There are steps you can take to help make your home more fire-resistant. Programs like the Wildfire Partners Program out of Boulder County, Colorado, give homeowners a property assessment with specific tips, updates, landscaping, and removals that decrease their risk to a wildfire. Additionally, some insurance companies have specialists that perform consultations and provide the homeowner a report with recommended improvements to eaves, patios and decks, roofs, and vegetation. In areas with high wildfire risk, insurance companies may require this kind of consultation and follow up work in order to authorize writing the policy. As always, be your own advocate, and take the first steps to giving your home the best chance of survival from a wildfire. However, if you choose to live in a high wildfire risk area, be prepared to pay a bit higher premium to have proper insurance coverage in case of a destructive wildfire.
Experiments, models, and post-fire studies have shown homes ignite during wildfires due to the condition of the home and its surroundings, up to 200′ from the foundation. The last couple of years, fire researchers have found more and more cases of homes burning down due to combustibles directly linked (first five feet) to the structure. Specifically, embers and small flames from low intensity surface fires are igniting adjacent combustibles which are, in turn, igniting homes. Therefore, the Home Ignition Zone receiving the most attention lately, is the area within 0-5 feet of the home.
The actual home, including roof and deck, along with the area within five feet of the zone makes up what the NFPA refers to as the “Immediate Zone”. According to the site, science has proven that this is the most important zone to take action on as it is the most vulnerable to embers and therefore home ignition. The group also provides a few suggestions for this zone which will help the survivability of a home during a wildfire event.
Have you ever wondered how home insurance companies deal with writing new policies in an ongoing disaster zone? Well the truthful answer is they don’t. For instance, when a large wildland fire is threatening homes or has the potential to, insurance carriers place a moratorium on the surrounding landscape. A moratorium is a temporary, but indefinite hold on writing any new home insurance policies within the blanket area that is declared. The purpose of this practice is to stop new customers who aren’t covered for fire, or other disaster related damages, from buying a policy right before the home is damaged. The problem is the geographic regions that are typically chosen for a moratorium are too large. The regions that are chosen usually include areas that are not threatened by the disaster in any way shape or form. This leaves an undesirable gap in business for both the insurers and possible policy holders. Here at RedZone we like to focus on utilizing technology coupled with expertise to solve complicated problems such as this one.
With advances in current wildfire modeling, insurance companies can have a more precise understanding of what is taking place on the ground currently, as well as what is likely to take place in the upcoming hours of the fire. Wildfire modeling accounts for the essential driving factors behind a wildfire so it can accurately depict where the fire is heading. You can read more about the aspects taken into account in RedZone’s Wildfire model here. By using a wildfire model, insurance companies can reduce the size of the geographic areas that are placed under a moratorium. Then the carriers will have an understanding of where the fire will be moving. This benefits both parties involved in many ways. If a home is not covered for wildfire, and a fire breaks out near the home it may spark an interest for the homeowner to obtain coverage on their home for fire. If the area that the home is located in is under a moratorium, the homeowner will not be able to purchase a policy for that type of coverage.
In the case of hurricanes, insurance carriers are even more precautious about writing new business when a storm of hurricane magnitude is approaching. The process of putting a moratorium in place for a storm begins when the National Weather Service declares a low pressure system to be of a tropical storm magnitude. You can learn more about hurricane formation and power at RedZone’s Blog on Hurricanes Harvey and Irma. Insurance companies immediately put a moratorium into effect for the projected zones that will be impacted by the incoming storm. These areas range from zip codes to counties and even expanding to encompass entire states that could possibly be impacted by the storm. A large portion of homes that are located in a moratorium of that size will likely not be affected by flooding or wind damage from the storm.
One of the ways that GIS (Geographic Information Systems) can help with this problem is with a Digital Elevation Model (DEM) Dataset. When loaded into a GIS this data will depict what the terrain on the ground will look like. These elevation layers coupled with flood plain data would give an accurate depiction of the level of threat to a structure. What has to be taken into account is that each storm is different. The flood data chosen must accurately match the expected rainfall from the storm in the general location. One solution is to utilize the most severe flood data available, so that the estimations are on the safer side. Another factor that needs to be considered is the damage that occurs from wind during one of these events. GIS is capable of running buffers based on the projected storm path. A buffer coinciding with the relative wind speeds that are capable of damaging homes would be a safe way of creating more accurate moratorium zones during a hurricane.
If your company isn’t harnessing the power and audience of social media outlets in your disaster plans, you are leaving a huge resource untapped. Today we will be exploring some ways that social media can help insurance agencies stay informed, provide resources and information to customers, improve customer service, and spread the knowledge and professionalism of their brand. For more information on how Social Media is used to deliver timely wildfire information, see our past blog: Social Media and Wildfire.
Wildfires can be confusing, frustrating, emotional, and devastating for individuals and their families. Social media offers insurance agencies multiple tools to help keep themselves and their customers informed. Important information such as evacuations, shelters, and resources is not always easy for people to find. Being proactive about knowing what is going on and sharing that information adds trust with your customers and can help make a devastating event in their life a little easier to handle.