Skip to content
Wildfires

Protect your home and family: wildfire preparedness

The Baldwin Group
|
Updated: February 19, 2026
|
4 minute read

If you live in an area susceptible to wildfires, it’s crucial to take proactive steps to safeguard your home, family, and belongings. While no property can be completely fire-proof, implementing preventive measures can help reduce the risk of damage and improve your home’s resilience against wildfire-related hazards such as intense heat, flying embers, and rapidly spreading flames.

Reducing wildfire risk starts with the creation of defensible space zones, which serve as a layer of protection between your house and the approaching wildfire. Defensible space zones are broken out into three zones: Zone 1, Zone 2, and Zone 3.

Zone 1 – This is the 0 feet to 5 feet closest to your house and the most vulnerable, which is why it should be aggressively maintained for fire resistance. Avoid using combustible landscaping materials like dry bark or mulch, keep plants next to the house area well-watered, and use non-combustible outdoor furniture. Also, be sure to remove tree branches that hang over your roof and relocate woodpiles at least 30 feet from any structures.

Zone 2 – Also known as the intermediate zone, this is 5 feet to 30 feet from the perimeter of a building and usually includes things like structures, accessory buildings, decks, and yards. Be sure to remove dead plants and dry leaves from the yard, roof, and gutters. Trim trees regularly and keep trees at minimum 10 feet from other trees.

Zone 3 – The extended zone is typically 30 feet to 100 feet from buildings. Keep grass cut to four inches, don’t let plant debris accumulate to large piles, and create horizontal and vertical space between shrubs and trees.

Using flameproof materials for your roof can be the difference between a building being destroyed or surviving a wildfire. Roofs constructed from nonflammable materials, such as metal, slate, tile, or asphalt shingles are a strong line of defense against embers from wildfires, which often land on roofs. Wood shingles are a common roofing material, and while homeowners can treat these materials with fire retardant or install rooftop sprinkler systems, the safest bet is to reroof with nonflammable materials. It’s also important to keep gutters and roofs clear of dead greenery and anything else that’s flammable. Consider installing gutter guards that will prevent flammable materials from accumulating in the first place.

If something is attached to or touching a building, treat it as though it is a part of the structure. Something catching fire next to a building can be as disastrous as something burning on or within it. If you use mulch, replace it with gravel or stone mulch products. If you have plants near a building, keep them watered, and remove them if they die. Consider separating wood fences from buildings with metal or masonry barriers and keep combustible vegetation and materials away.

Protect buildings with eaves from burning from the inside out by keeping the underside of your eaves clean and clear of anything that might cause embers to accumulate. When fires reach areas below open eaves, heat gets trapped and ignites exposed materials. Also, install covers called soffits to protect the undersides of eaves and use 1/8 inch or finer metal mesh in the vents. Embers can enter vents that don’t have screens and put your home at risk. If you have a pet door, make sure it has an effective seal and keep it closed during fire season.

All windows and skylights should have screens, and if you don’t have double-paned and tempered windows, consider making the upgrade. This type of window can withstand higher temperatures and keep embers outside of buildings. Wood is often used for boards, panels or shingles and is common siding material, but wood is extremely flammable and not a good choice for fire-prone areas. Think about building or remodeling your walls with ignition-resistant building materials, including fiber cement wall siding, stucco, fire retardant treated wood, or other approved materials. Decks should also be built with ignition-resistant or non-combustible materials. Don’t store combustible materials beneath your deck.

If you’ve taken the necessary precautions to protect your home or business, but neighbors haven’t, then your efforts will be far less effective. This is especially true in densely populated areas. In these cases, community efforts to fireproof are just as important as what individual property owners do to fireproof. The U.S. Forest Service also has a program that helps build communities that protect themselves against fires, and more than 1,400 sites nationwide have implemented community-level wildfire action plans under this program. You can learn more about this program on the National Fire Protection Association website.

In the unfortunate event that a wildfire does threaten your home or business, ensuring emergency responders are able to access your property is crucial. Make sure that street names and numbers are clearly legible, and that driveways are big enough to allow firefighters and first responders to access the premises.

Wildfires can be unpredictable, and the destruction they cause can be devastating. By preparing your home, collaborating with neighbors, and creating an emergency plan, you can reduce risks and enhance your resilience in the face of these dangerous events.

Let us help protect what matters most to you and your family.

Related Insights

Stay in the know

Our experts monitor your industry and global events to provide meaningful insights and help break down what you need to know, potential impacts, and how you should respond.

Crisis Management
Prioritize safety for employees working internationally
Supporting and preparing international staff and travelers working in or headed to locations prone to unrest is paramount to help...
Crisis Management
Safety, support, and healing: managing workplace incidents
Employers have a responsibility to provide their employees with a safe and secure work environment, while taking proactive measures to...
Wildfires
Personal Insurance considerations for wildfire preparedness
Wildfire preparedness is essential to help protect the physical safety of yourself and your family, as well as to protect...
Wildfires
Business insurance considerations for wildfire preparedness
Wildfire preparedness is critical for businesses to ensure operational continuity and protect your most valuable assets, including your property, inventory,...
Wildfires
Protect your business wildfire preparedness
If your business operates in a wildfire-prone region, taking proactive measures to safeguard your property, assets, and employees is essential....
Let's make it possible

Partner with us to build solutions that align with your business, individual, or employee needs and open new possibilities for your future.

Connect with us