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In total, the Thomas Fire burned over 280,000 acres, making it the largest wildfire in modern California history. (Photo by: Mario Tama/Getty Images)


How to Protect Your Home & Family from Wildfire

How to Prepare In Case of Wildfire

• Make sure you store emergency supplies in a “go bag” or container so you are ready to grab and leave quickly in the event of an evacuation. For tips on building your kit, visit

• Create an emergency family evacuation plan – make sure your plan includes pets.

• Know multiple routes and safe ways out of the area in case you are evacuated – and if a fire occurs, pay attention to reports so you know what routes are clear and safe to use.

• Stay turned to phone alerts, TV or radio for the latest emergency instructions or evacuation orders.

• In the event of a potential evacuation:
– Turn on lights outside and in every room to make your house more visible in heavy smoke.
– Close all windows, vents, doors and fireplace screens – but keep windows and doors unlocked for fire fighters.
– Remove lightweight curtains and flammable window shades.
– Shut off gas at the meter and turn off pilot lights.
– Shut off the air conditioning.
– Have a ladder available and place it at the corner of your house for firefighters to quickly access your roof.
– Disconnect automatic garage door openers so doors can be opened by hand if you lose power.
– Move flammable furniture, including outdoor furniture, into the center of the home away from windows and sliding glass doors.
– Connect garden hoses. Fill garbage cans, tubs or large containers with water. Shut off natural gas from the source, and move propane or fuel oil supplies away from the house.
– Follow additional guidance from local authorities.

• Familiarize yourself with local emergency plans and know how to get there should you need to evacuate.

• If you see a wildfire but haven’t received evacuation orders, call 911. Don’t assume someone else has already called.

• Most importantly, if an evacuation is announced, leave immediately. Fires spread quickly and waiting may mean the difference between life and death.


Strong wind and steep terrain have prevented the fires around Los Angeles from being contained more. (Photo from the Wall Street Journal)
Initially, strong wind and steep terrain prevented the fires around Los Angeles from being contained more. (Photo from the Wall Street Journal)


Prevention, slowing, and discouraging spreading are the three biggest influences you as an individual can have on wildfire. Here are a few tips:

• Don’t mow dry grass on windy days.

• Never pull your vehicle over in dry grass.

• Target shoot only in approved areas.

• Ensure campfires/bonfires are allowed, and if so, be sure to extinguish them completely.

• Dispose of charcoal briquettes and fireplace ashes properly.

• Do not use welders or any equipment that creates sparks outside on dry, windy days.

• Store combustible or flammable materials in approved safety containers away from the house.

• Keep gas grill and propane tank at least 15 feet from any structure. Do not grill during potentially dangerous fire weather conditions. Always have a fire extinguisher nearby.


Over $2.4 million was spent by the federal government on fire suppression in the 2017 fiscal year, $800 million more than had be allocated. (Photo from: Los Angeles Times)


Landscaping Tips

• Keep trees and shrubs pruned six to ten feet from the ground.

• Remove leaf clutter and dead or overhanging branches.

• Mow your lawn regularly and dispose of cuttings and debris promptly.

• Store firewood away from the house.

• Maintain your irrigation system regularly.

• Familiarize yourself with local regulations regarding vegetative clearance, debris disposal and fire safety requirements for equipment.

• Create a ‘fire free’ area within five feet of your home, using non-flammable landscaping materials and/or high moisture content annuals and perennials.

• Water plants, trees and mulch regularly.

• Consider xeriscaping if you are affected by water-use restrictions.

• Plants should be carefully spaced, low-growing and free of resins, oils and waxes that burn easily.


Fires in Sonoma, Napa, and Santa Rosa ravaged wine country in October 2017. (Photo from: Wired)
Fires in Sonoma, Napa, and Santa Rosa ravaged wine country in October 2017. (Photo from: Wired)


Construction Tips

• Use rated roofing materials – roofing material with a Class A, B or C rating is fire resistant and will help keep flames from spreading. Examples are: Composition shingle, metal, clay and cement tile.

• Use fire-resistant building materials on exterior walls. Examples include cement, plaster, stucco and masonry (concrete, stone, brick or block). Vinyl, while difficult to ignite, can fall away or melt when exposed to extreme heat.

• Use double-paned or tempered glass on windows, which can help reduce the risk of fracture or collapse during extreme wildfires. Tempered glass is considered most effective. For skylights, glass is a better choice than plastic or fiberglass.

• ‘Box’ eaves, fascias, soffits and vents, or enclose them with metal screens. Vent openings should be covered with 1/8” metal screen.

• Protect overhangs and other attachments by removing vegetation and other fuels from areas like room additions, bay windows, decks, porches, carports and fences.

• Box in the undersides of overhangs, decks and balconies with non-combustible or fire-resistant materials.

• Fences constructed of flammable materials like wood should not be attached directly to the house. If it is attached, separate it from the house with masonry or a metal barrier.

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This information came courtesy of Tim McGrath, President & CEO of Lighthouse Risk & Insurance Solutions and Assure Insurance. He and his company specialize in insuring homes in high risk wild fire areas. For more information on Tim and his company, visit