Homeowners in wildfire risk states aren't out of the woods yet - the next two months of wildfire season have the potential to flare up due to drought conditions, according to a new report. More than 1.2 million homes in the West -- including Texas, California, Colorado, Oregon and Arizona -- are at risk for being destroyed or damaged by wildfires, according to a report released this week. New Mexico, Montana, Utah, Idaho and Nevada make up the rest of the top 10 states at "very high risk" for wildfire damage, according to the CoreLogic's "2013 Wildfire Hazard Risk Report." Potentially endangered homes in the top 10 states are valued at more than $189 billion, according to the report. Here are the states with the most homes that face a "very high risk" due to wildfires:
- Texas: 678,544 homes
- California: 375,500 homes
- Colorado: 200,443 homes
- Oregon: 107,388 homes
- Arizona: 48,823 homes
- New Mexico: 35,024 homes
- Montana: 26,468 homes
- Utah: 22,859 homes
- Idaho: 22,503 homes
- Nevada 11,698 homes
Jeffery adds that the problem could grow as an appetite for homes in forested or wilderness spots rises. Further, as cities grow, they often spread into areas plagued by wildfires."Just because your home is located within a city boundary does not necessarily mean you are safe from wildfire destruction if there is wildland vegetation nearby," he says. "Wind-blown embers can travel hundreds or even thousands of feet and ignite homes located far away from an actual fire." Preparing for wildfires by getting defensive Protect yourself with "defensible space" by creating a buffer zone that may prevent fire from reaching the property. Check with your state or county about defensible space requirements if you live in an area at risk for wildfire. California, for instance, requires space extend 100 feet outward from buildings. Here are the other guidelines:
- Within the first 30 feet (or the first 50 feet in San Diego): Remove all dead plants, dried grass, fallen pine needles, flammable plants and wood piles and trim trees to keep branches at least 10 feet away from other trees
- In the next 70 feet: Remove fallen leaves, branches, needles and cones, mow grass to 4 inches or less, and space trees and shrubs a safe distance apart.
Review your homeowner insurance coverageThe Insurance Information Institute (III) advises having enough homeowners insurance to fully rebuild your home and replace belongings lost in a fire. That amount could be more than the current market value. Also, be sure to tell your insurer if you've remodeled so the coverage reflects the upgrades. The III also suggests a home inventory. Besides helping replace personal possessions, the institute says "it can also speed the claims process and substantiate losses for income tax purposes. A detailed home inventory is helpful should you need to apply for disaster aid, too."