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Smoke Column

Five Areas with Higher Wildfire Risk Than You Might Think

RedZone has highlighted five lesser-known areas where homeowners have increased wildfire risk

  1. Mid-slope areas
  2. Areas Adjacent to Wildland Fuels
  3. In the Ember Zone
  4. In Urban Canyons
  5. Proximity to Highway Grade

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Superb Performance by RZRisk3 on 2018’s Camp Fire

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.

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Kincade Fire burning through rural lands in Sonoma County

Real Estate in California Struggling Due to Wildfire Risk

Although the 2019 wildfire season was less destructive than previous years, the 2019 fires and fires from previous years have had a large impact on real estate and insurance industries. Some homeowners in high-risk areas have seen loss of coverage, while others are experiencing extremely high insurance premiums. Potential homebuyers for homes in high-risk areas are being denied coverage or are backing out of purchases due to the high premiums. As wildfire frequency and intensity escalates in California, concern for the real estate market grows.

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Fire Regime

Five Years of Wildfires Devastate Lake County, an Insurance Risk or Opportunity?

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.

Fire History

This map displays all of the fires inside a 1 mile buffer of Lake County that reached over 100 acres since 2012.

Topography

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.

Weather

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.

Fuels

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.

Vegetation

This map depicts the vegetation types throughout Lake County. Visualizing this data clearly shows the predominant vegetation type shifting as you progress north, from the southern border of the county.

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.

Insurance risk or Opportunity?

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.

Sources

http://www.lakecountyca.gov/Assets/County+Site/Fire+Safe+Council/cwpp/eco.pdf

http://www.lakecountyca.gov/Government/Boards/lcfsc/LCCWPP.htm

http://www.latimes.com/local/lanow/la-me-lake-county-fire-epicenter-20180814-story.html

http://www.californiachaparral.com/fire/firenature.html

https://www.weatheronline.co.uk/reports/wxfacts/The-Foehn-foehn-wind.htm

https://www.nfpa.org/-/media/Files/Training/certification/CWMS/S-190-Intro-to-Wildland-Fire-Behavior.ashx?la=en

ember zone waldo

Five Areas with Higher Wildfire Risk Than You Might Think

RedZone has highlighted five lesser-known areas where homeowners have increased wildfire risk

  1. Mid-slope areas
  2. Areas Adjacent to Wildland Fuels
  3. In the Ember Zone
  4. In Urban Canyons
  5. Proximity to Highway Grade

Mid-Slope

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.

mid-slope home is a wildfire risk

A worrisome home built along a mid-slope road near Lake Elsinore, CA


Adjacent to Wildland Fuels

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.

sage fire map wildfire risk

2016 Sage Fire burned between dense neighborhoods in Simi Valley, CA


In the Ember Zone

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.

waldo 2013 wildfire risk

Embers contributed to many of the 346 homes lost on the Waldo Canyon Fire in 2013 in Colorado Springs, CO


In Urban Canyons

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.

Examples of wildfires starting in urban canyons:
  • Poinsettia Fire – Destroyed 22 homes and burned 400 acres. Fire started on a golf course and rapidly spread up the canyon.
  • City Heights Fire – Less than 2 acres, but came within a few feet of homes within an hour of a fire being reported.
  • Manzanita Canyon – Several instances of homeless cooking fires getting out of control in the canyon.
urban canyon brings wildfire risk

Homes with little to no defensible space in a San Diego Urban Canyon


Proximity to Highway Grade

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.

Examples of large wildfires starting on major highways:
  • Blue Cut – Highway 15 along the Cajon Pass. Destroyed 105 homes and burned over 36,000 acres.
  • Springs Fire – Highway 101 along the Conejo Grade. Caused by an undetermined roadside ignition. Fire burned 15 homes but threatened 4,000 and burned 24,000 acres.  The fire burned until it hit the coast.
  • Grade Fire – Ridgewood Grade on Highway 101. Caused by a vehicle fire spreading to grass. Burned 900 acres.

SOURCES:

http://www.fire.ca.gov/fire_protection/downloads/redsheet/Jesusita/JesusitaReviewReport.pdf

http://www.firehouse.com/article/10469914/which-factor-is-present-in-most-wildland-firefighting-fatalities-and-burnovers

https://apps.usfa.fema.gov/firefighter-fatalities/fatalityData/detail?fatalityId=3935

http://www.firesafemarin.org/topography

http://www.readyforwildfire.org/Vehicle-Use/

http://www.nfpa.org/public-education/by-topic/property-type-and-vehicles/vehicles

http://nvlpubs.nist.gov/nistpubs/TechnicalNotes/NIST.TN.1910.pdf

https://books.google.com/survivingwildfire

Wildfire near home in Possum Kingdom, TX

Will wildfire risk impact my home insurance?

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.

Why is wildfire coverage important?

Home built in the WUI

Many communities are building farther into the wilderness (Credit: Google Earth)

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.

What property features are considered?

Construction materials, surrounding vegetation, and landscape features are a few considerations when determining wildfire risk. (Credit: Oregon State University)

Construction materials, surrounding vegetation, and landscape features are a few considerations when determining wildfire risk. (Credit: Oregon State University)

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.

Can I do anything to help protect myself?

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.

Source(s):

https://disastersafety.org/wildfire/preventing-fire-damage-other-roofing-tips/

http://www.readyforwildfire.org/Defensible-Space/

http://www.wildfirepartners.org/our-program/

 

ember zone waldo

Five Areas with Higher Wildfire Risk Than You Might Think

RedZone has highlighted five lesser-known areas where homeowners have increased wildfire risk

  1. Mid-slope areas
  2. Areas Adjacent to Wildland Fuels
  3. In the Ember Zone
  4. In Urban Canyons
  5. Proximity to Highway Grade

Mid-Slope

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.

mid-slope home is a wildfire risk

A worrisome home built along a mid-slope road near Lake Elsinore, CA


Adjacent to Wildland Fuels

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.

sage fire map wildfire risk

2016 Sage Fire burned between dense neighborhoods in Simi Valley, CA


In the Ember Zone

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.

waldo 2013 wildfire risk

Embers contributed to many of the 346 homes lost on the Waldo Canyon Fire in 2013 in Colorado Springs, CO


In Urban Canyons

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.

Examples of wildfires starting in urban canyons:
  • Poinsettia Fire – Destroyed 22 homes and burned 400 acres. Fire started on a golf course and rapidly spread up the canyon.
  • City Heights Fire – Less than 2 acres, but came within a few feet of homes within an hour of a fire being reported.
  • Manzanita Canyon – Several instances of homeless cooking fires getting out of control in the canyon.
urban canyon brings wildfire risk

Homes with little to no defensible space in a San Diego Urban Canyon


Proximity to Highway Grade

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.

Examples of large wildfires starting on major highways:
  • Blue Cut – Highway 15 along the Cajon Pass. Destroyed 105 homes and burned over 36,000 acres.
  • Springs Fire – Highway 101 along the Conejo Grade. Caused by an undetermined roadside ignition. Fire burned 15 homes but threatened 4,000 and burned 24,000 acres.  The fire burned until it hit the coast.
  • Grade Fire – Ridgewood Grade on Highway 101. Caused by a vehicle fire spreading to grass. Burned 900 acres.

SOURCES:

http://www.fire.ca.gov/fire_protection/downloads/redsheet/Jesusita/JesusitaReviewReport.pdf

http://www.firehouse.com/article/10469914/which-factor-is-present-in-most-wildland-firefighting-fatalities-and-burnovers

https://apps.usfa.fema.gov/firefighter-fatalities/fatalityData/detail?fatalityId=3935

http://www.firesafemarin.org/topography

http://www.readyforwildfire.org/Vehicle-Use/

http://www.nfpa.org/public-education/by-topic/property-type-and-vehicles/vehicles

http://nvlpubs.nist.gov/nistpubs/TechnicalNotes/NIST.TN.1910.pdf

https://books.google.com/survivingwildfire