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INSURANCE AND WILDFIRE MITIGATION: WHAT DO WE KNOW?
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Trade Publication Article
INSURANCE AND WILDFIRE MITIGATION: WHAT DO WE KNOW?
2017
Overview
For another 5 percent of respondents, their homeowners insurance company required wildfire risk mitigation as a condition of issuing a policy. (Because a small set of respondents (3 percent) noted multiple effects, these categories do not add up to the 18 percent total.) The remaining 82 percent of Delta County WUI respondents knew of no effect of wildfire risk on their homeowners insurance. [...]our findings suggest limited to no change in behavior by homeowners who know that wildfire risk affects their homeowners insurance. The patterns observed might not be generalizable beyond the communities studied. [...]the parcel-level rapid wildfire assessments do not reflect a full inventory of a property's wildfire risks; rather, they focus on key characteristics related to a structure's potential defensibility and survivability during a wildfire event (see Meldrum (2015a)). [...]our findings suggest that insurance might be an effective mechanism for raising awareness about wildfire risks, at least among people who attend to the details of their insurance policies.
Publisher
Superintendent of Documents
