Wildfire Risk Highest in California, Florida, Texas
As climate change fuels hotter, drier conditions, homeowners and insurers may be playing with fire.
According to the latest LendingTree study, wildfires are up 17.0% annually — and while risk varies by state, expected annual losses reach upward of $1.4 billion.
After reviewing our findings, read how homeowners insurance can help mitigate financial losses from wildfires.
Key findings
- California, Florida and Texas have the highest wildfire risk. California leads by a large margin, with expected annual losses from wildfires totaling $1.4 billion. Florida and Texas are next at $269.3 million and $240.3 million, respectively, while Arizona ($195.3 million) and Utah ($191.3 million) round out the top five. These are the only five states to receive at least a “relatively high” rating for their expected annual losses from wildfires, with California being the only one rated as “very high.”
- Texas has the highest expected annual economic losses due to wildfire casualties and injuries, at $11.1 million. Texas is the only state above $10.0 million, with Montana ($8.2 million) and California ($5.1 million) finishing second and third. Sixteen states have more than $1.0 million in expected annual economic losses due to wildfire casualties and injuries.
- Wyoming and Montana are the only states where at least 50% of buildings are at risk of wildfires. 54% of buildings in Wyoming and 51% in Montana are at risk of wildfires. Texas (45%), Oklahoma (44%) and New Mexico (43%) follow as the only other states with 40% or more of their buildings facing wildfire risk.
- Nationally, wildfires are up 17.0% annually. Wildfires increased from 58,968 in 2021 to 68,988 in 2022. By state, Arkansas experienced the biggest increase, at a significant 403.4%. Alabama (160.6%) and Connecticut (150.0%) followed. Five other states experienced an increase of at least 100.0% in wildfires during this period.
- Historically, California has seen the most damage and the highest number of billion-dollar wildfires. From 1980 to 2024, California has seen $99.6 billion in damage from billion-dollar wildfires — more than two-thirds of the nation’s damage. Additionally, California experienced the highest number of billion-dollar wildfires in this period, at 19.
LendingTree researchers first analyzed Federal Emergency Management Agency (FEMA) National Risk Index (NRI) wildfire data. Researchers summed the expected annual losses in the following categories:
- Building value
- Population equivalence
- Agricultural value
The expected annual loss in building value from wildfires is the average yearly loss in dollars to buildings. The same applies to agricultural value.
Researchers used the NRI’s Value of Statistical Life (VSL) to calculate expected annual losses from wildfire casualties and injuries. Using this metric, one fatality or 10 injuries equals $11.6 million.
California, by wide margin, has highest wildfire risk
California has the highest wildfire risk, with total expected annual losses from wildfires at $1.4 billion — the only state to surpass $1.0 billion.
California’s dry climate, hot weather, vegetation and wind patterns have historically affected its wildfire risk. In recent years, droughts and human error have exacerbated conditions.
Florida ($269.3 million) and Texas ($240.3 million) rank second and third. Like California, Florida has dry periods and vegetation that increase fire risk. Additionally, thunderstorms in Florida increase the risk of lightning-induced fires. Texas also suffers from droughts and dry conditions, contributing to its wildfire risk.
States with the highest expected annual losses from wildfires
Rank | State | Expected annual losses | Risk compared to rest of U.S. |
---|---|---|---|
1 | California | $1.4 billion | Very high |
2 | Florida | $269.3 million | Relatively high |
3 | Texas | $240.3 million | Relatively high |
4 | Arizona | $195.3 million | Relatively high |
5 | Utah | $191.3 million | Relatively high |
Arizona and Utah round out the top five, at $195.3 million and $191.3 million, respectively.
According to the Federal Emergency Management Agency (FEMA) National Risk Index (NRI), these are the only five states to receive at least a “relatively high” rating for their expected annual losses from wildfires, with California being the only one rated as “very high.” This rating represents a state’s relative risk for wildfires compared to the rest of the country.
According to LendingTree home insurance expert and licensed insurance agent Rob Bhatt, wildfire risk has major insurance implications.
“The costs of rebuilding homes damaged by recent fires have already contributed to rising home insurance rates in each of these states,” he says. “These fire risks also have insurance companies reassessing the number and types of homes they want to insure in these areas. In California, Florida and Texas, in particular, we’re seeing insurance companies stop accepting new customers and drop existing customers. They want to reduce the number of homes they have in risky areas. This makes it harder for people in these areas to find affordable homeowners insurance.”
Full rankings: Expected annual losses from wildfires (by state)
Rank | State | Expected annual losses | Risk compared to rest of U.S. |
---|---|---|---|
1 | California | $1.4 billion | Very high |
2 | Florida | $269.3 million | Relatively high |
3 | Texas | $240.3 million | Relatively high |
4 | Arizona | $195.3 million | Relatively high |
5 | Utah | $191.3 million | Relatively high |
6 | Idaho | $116.6 million | Relatively moderate |
7 | Colorado | $112.3 million | Relatively moderate |
8 | Nevada | $110.3 million | Relatively moderate |
9 | New Mexico | $93.0 million | Relatively moderate |
10 | Washington | $90.5 million | Relatively moderate |
11 | Oklahoma | $77.3 million | Relatively moderate |
12 | Oregon | $67.2 million | Relatively moderate |
13 | Montana | $62.0 million | Relatively moderate |
14 | South Dakota | $41.3 million | Relatively low |
15 | Minnesota | $39.8 million | Relatively low |
16 | Hawaii | $38.1 million | Relatively low |
17 | Alaska | $26.0 million | Relatively low |
18 | New Jersey | $25.0 million | Relatively low |
19 | Arkansas | $22.9 million | Relatively low |
20 | North Carolina | $22.4 million | Relatively low |
21 | Georgia | $21.7 million | Relatively low |
22 | Kentucky | $20.4 million | Relatively low |
23 | Kansas | $19.7 million | Relatively low |
24 | Mississippi | $18.6 million | Relatively low |
25 | Wyoming | $16.1 million | Relatively low |
26 | South Carolina | $15.0 million | Relatively low |
27 | Missouri | $14.4 million | Relatively low |
28 | Louisiana | $12.9 million | Relatively low |
28 | North Dakota | $12.9 million | Relatively low |
30 | Virginia | $9.2 million | Relatively low |
31 | Alabama | $7.3 million | Very low |
32 | West Virginia | $6.2 million | Very low |
33 | Maryland | $5.4 million | Very low |
34 | Michigan | $5.2 million | Very low |
35 | Nebraska | $5.0 million | Very low |
36 | Wisconsin | $3.8 million | Very low |
37 | Tennessee | $3.7 million | Very low |
37 | Ohio | $3.7 million | Very low |
39 | Iowa | $2.8 million | Very low |
40 | Pennsylvania | $2.5 million | Very low |
41 | New York | $2.4 million | Very low |
42 | Delaware | $1.9 million | Very low |
43 | Indiana | $1.8 million | Very low |
44 | Massachusetts | $1.7 million | Very low |
45 | Illinois | $1.1 million | Very low |
45 | New Hampshire | $1.1 million | Very low |
47 | Maine | $581,767 | Very low |
48 | Vermont | $333,911 | Very low |
49 | Connecticut | $227,232 | Very low |
50 | Rhode Island | $84,123 | Very low |
51 | District of Columbia | $26,895 | Very low |
Annual economic losses due to casualties/injuries highest in Texas
Looking solely at economic losses, Texas has the highest expected annual losses due to casualties and injuries from wildfires, at a projected $11.1 million. That makes it the only state above $10.0 million. (According to AZPM, wildfire smoke inhalation is rarely listed as the primary cause of death or a contributing factor, which can limit wildfire-related casualty figures.)
Population growth and density play a role here. Between 2020 and 2023, Texas’ population grew by 1.6 million to 30.3 million. Most of this growth is concentrated in the Texas triangle (Dallas-Fort Worth, Houston, San Antonio and Austin), where 68% of the state’s population lives. With such high population density in these areas, the potential for wildfire casualties and injuries grows.
Montana follows, at $8.2 million. While Montana has a much lower population density than the top-ranking states, its large rural areas that include grasslands and shrublands make it particularly susceptible to wildfires, increasing the risk of casualties and injuries.
States with the highest expected annual economic losses due to casualties/injuries from wildfires
Rank | State | Expected annual economic losses |
---|---|---|
1 | Texas | $11.1 million |
2 | Montana | $8.2 million |
3 | California | $5.1 million |
4 | Minnesota | $4.9 million |
5 | Hawaii | $4.0 million |
California ($5.1 million) is third. Like Texas, California has a dense population that increases the risk of casualties and injuries. With a population of nearly 39 million and more than 25% living in high fire-risk areas, California has a significant number of people living in wildfire-prone areas.
Overall, 16 states have more than $1.0 million in expected annual economic losses due to wildfire casualties and injuries.
Conversely, the District of Columbia ($266) has the lowest expected annual economic losses by a wide margin, followed by Rhode Island ($6,648) and Connecticut ($13,063).
Full rankings: Expected annual economic losses due to casualties/injuries from wildfires (by state)
Rank | State | Expected annual economic losses |
---|---|---|
1 | Texas | $11.1 million |
2 | Montana | $8.2 million |
3 | California | $5.1 million |
4 | Minnesota | $4.9 million |
5 | Hawaii | $4.0 million |
6 | Oklahoma | $3.9 million |
7 | South Dakota | $3.5 million |
8 | Kentucky | $3.2 million |
9 | North Carolina | $2.8 million |
10 | Mississippi | $2.0 million |
11 | Alaska | $1.7 million |
12 | South Carolina | $1.4 million |
13 | Virginia | $1.3 million |
14 | Florida | $1.2 million |
15 | Louisiana | $1.1 million |
15 | Arkansas | $1.1 million |
17 | Alabama | $706,690 |
18 | Oregon | $598,403 |
19 | Idaho | $594,016 |
20 | West Virginia | $522,545 |
21 | Kansas | $497,560 |
22 | Wyoming | $474,644 |
23 | Tennessee | $431,426 |
24 | Ohio | $389,497 |
25 | Georgia | $340,516 |
26 | Missouri | $340,358 |
27 | Michigan | $324,317 |
28 | Wisconsin | $318,587 |
29 | Colorado | $312,610 |
30 | Arizona | $301,326 |
31 | New Mexico | $298,244 |
32 | Nevada | $279,299 |
33 | Nebraska | $244,947 |
34 | Utah | $244,631 |
35 | New Jersey | $181,144 |
36 | North Dakota | $179,511 |
37 | Indiana | $149,931 |
38 | Iowa | $140,620 |
39 | Massachusetts | $126,125 |
40 | Maryland | $124,548 |
41 | New York | $100,543 |
42 | Pennsylvania | $98,098 |
43 | New Hampshire | $94,075 |
44 | Washington | $93,882 |
45 | Illinois | $62,198 |
46 | Maine | $47,292 |
47 | Vermont | $20,908 |
48 | Delaware | $13,894 |
49 | Connecticut | $13,063 |
50 | Rhode Island | $6,648 |
51 | District of Columbia | $266 |
2 Northwestern states have highest percentage of buildings at risk
If you’re looking to avoid states with high percentages of buildings at risk of wildfires, don’t head northwest. In Wyoming and Montana, 54% and 51% of buildings, respectively, are at risk of wildfires — making them the only two with more than half at risk.
Growth in areas with high wildfire risk plays a role here. In Wyoming, residents are expanding into wildland urban interface (WUI) areas, where human development meets natural terrain and thick vegetation. This increase in building on undeveloped land increases fire risk. In the state, 48% of buildings (the highest among the 13 states tracked) are at low-to-moderate risk and 6% are at high-to-extreme risk.
Meanwhile, according to a Headwaters Economics report, the number of Montana homes in moderate and high wildfire risk areas nearly doubled between 1990 and 2018 — meaning more than a third of homes are now at risk. In the state, 39% of buildings are at low-to-moderate risk and 12% (the highest across the 13 states) are at high-to-extreme risk.
We analyzed data from the 13 most wildfire-prone states as determined by Verisk, combining its low-to-moderate and high-to-extreme risk categories. To determine a building’s wildfire risk, Verisk looks at factors such as location-specific analytics (like vegetative fuels, terrain and road access), property-level mitigation efforts and analytics from insurers, fire experts, scientific researchers and more.
% of buildings with low-to-extreme wildfire risk by state
Rank | State | % of buildings with risk, 2022 | Acres burned, 2022 |
---|---|---|---|
1 | Wyoming | 54% | 25,800 |
2 | Montana | 51% | 137,500 |
3 | Texas | 45% | 671,800 |
4 | Oklahoma | 44% | 385,100 |
5 | New Mexico | 43% | 860,000 |
6 | Colorado | 31% | 45,700 |
6 | Arizona | 31% | 124,000 |
8 | Utah | 24% | 27,200 |
9 | Idaho | 22% | 436,700 |
10 | California | 20% | 309,000 |
11 | Oregon | 19% | 456,100 |
12 | Nevada | 17% | 58,400 |
13 | Washington | 16% | 173,700 |
Just three other states had 40% or more of their buildings facing wildfire risk: Texas (45%), Oklahoma (44%) and New Mexico (43%). Of these states, New Mexico has the highest percentage of buildings at high-to-extreme risk, at 9%.
According to Bhatt, each wildfire that impacts homes also impacts insurance.
“Not all wildfires impact homes, but those that do are roiling the industry,” he says. “Wildfires have increased the amounts insurance companies have had to pay out to rebuild homes. This, in turn, has led to higher rates for many customers in surrounding areas that wildfires haven’t impacted. The growing wildfire risk also has insurance companies pulling out of neighborhoods with the highest risks. This is making it harder for homeowners in these affected areas to find affordable home insurance.”
Wildfires have risen 17.0% annually
Not only are some states significantly at risk of wildfires — the number of wildfires is rising. In fact, wildfires are up 17.0% annually across the nation. Breaking that down, there were 58,968 in 2021 and 68,988 in 2022.
By state, Arkansas experienced the biggest jump, with wildfires growing by 403.4% — much higher than any other state. While there were 378 wildfires in 2021, that grew to 1,903 in 2022. After several wet seasons, Arkansas experienced a dry spell in the summer of 2022, drying out leaves and making trees more ignitable. With that dry spell continuing into fall, a period of high winds meant ignited fires spread more easily, leading to nearly 2,000 acres burned across 21 fires in a single weekend.
Alabama (160.6%) and Connecticut (150.0%) ranked second and third, respectively.
States with the highest percentage change in wildfires
Rank | State | Wildfires, 2021 | Wildfires, 2022 | % change |
---|---|---|---|---|
1 | Arkansas | 378 | 1,903 | 403.4% |
2 | Alabama | 1,040 | 2,710 | 160.6% |
3 | Connecticut | 60 | 150 | 150.0% |
4 | Louisiana | 507 | 1,259 | 148.3% |
5 | Texas | 5,576 | 12,571 | 125.4% |
Five other states experienced an increase of at least 100.0% in wildfires during the time span: Louisiana, Texas, Tennessee, Mississippi and Massachusetts.
Conversely, 24 states saw a decrease in wildfires in the same period. South Carolina (96.5%) led here, with the number of wildfires falling from 630 to 22. That’s followed by Iowa (96.3%) and Missouri (91.1%).
Full rankings: Percentage change in wildfires (by state)
Rank | State | Wildfires, 2021 | Wildfires, 2022 | % change |
---|---|---|---|---|
1 | Arkansas | 378 | 1,903 | 403.4% |
2 | Alabama | 1,040 | 2,710 | 160.6% |
3 | Connecticut | 60 | 150 | 150.0% |
4 | Louisiana | 507 | 1,259 | 148.3% |
5 | Texas | 5,576 | 12,571 | 125.4% |
6 | Tennessee | 550 | 1,225 | 122.7% |
7 | Mississippi | 922 | 1,980 | 114.8% |
8 | Massachusetts | 588 | 1,192 | 102.7% |
9 | Kentucky | 723 | 1,280 | 77.0% |
10 | Georgia | 2,139 | 3,621 | 69.3% |
11 | Oklahoma | 1,727 | 2,811 | 62.8% |
12 | Alaska | 384 | 595 | 54.9% |
13 | Indiana | 34 | 49 | 44.1% |
14 | Ohio | 524 | 724 | 38.2% |
15 | New Jersey | 906 | 1,165 | 28.6% |
16 | Florida | 2,262 | 2,784 | 23.1% |
17 | Kansas | 55 | 67 | 21.8% |
18 | North Carolina | 5,151 | 6,222 | 20.8% |
19 | West Virginia | 752 | 893 | 18.8% |
20 | New York | 137 | 162 | 18.2% |
21 | Maine | 636 | 730 | 14.8% |
22 | New Mexico | 672 | 748 | 11.3% |
23 | Illinois | 29 | 32 | 10.3% |
24 | Maryland | 112 | 117 | 4.5% |
25 | Virginia | 567 | 558 | -1.6% |
26 | Oregon | 2,202 | 2,117 | -3.9% |
27 | Vermont | 90 | 86 | -4.4% |
28 | Nevada | 565 | 506 | -10.4% |
29 | Wisconsin | 1,040 | 923 | -11.3% |
30 | Utah | 1,085 | 945 | -12.9% |
31 | Michigan | 435 | 376 | -13.6% |
32 | California | 9,280 | 7,884 | -15.0% |
33 | Colorado | 1,017 | 835 | -17.9% |
34 | Wyoming | 540 | 443 | -18.0% |
35 | Idaho | 1,332 | 1,088 | -18.3% |
36 | Montana | 2,573 | 2,087 | -18.9% |
37 | Arizona | 1,773 | 1,432 | -19.2% |
38 | Washington | 1,863 | 1,492 | -19.9% |
39 | Rhode Island | 99 | 76 | -23.2% |
40 | Nebraska | 785 | 568 | -27.6% |
41 | Pennsylvania | 1,350 | 951 | -29.6% |
42 | South Dakota | 868 | 527 | -39.3% |
43 | New Hampshire | 280 | 103 | -63.2% |
44 | Minnesota | 2,065 | 713 | -65.5% |
45 | North Dakota | 946 | 111 | -88.3% |
46 | Missouri | 1,531 | 136 | -91.1% |
47 | Iowa | 187 | 7 | -96.3% |
48 | South Carolina | 630 | 22 | -96.5% |
California has had most billion-dollar damage, wildfires
Isolating our focus to billion-dollar wildfires, California once again ranks highest. Between 1980 and 2024, California experienced $99.6 billion in billion-dollar wildfire damage — more than two-thirds of the U.S. total of $145.6 billion over the same time span.
That can be largely attributed to California experiencing the highest number of billion-dollar wildfires in this period, at 19.
While Bhatt says California has always been susceptible to wildfires, the high number of billion-dollar wildfires is alarming.
“California is a large state with vast expanses of wildland — droughts and fire are part of the natural cycles of nature,” he says. “That said, I’m surprised by the intensifying magnitude of the state’s wildfires. In the past five years alone, we’ve seen wildfires wipe out entire neighborhoods that have been around for decades. California’s wildfires have become considerably more intense than two or three decades ago. This is alarming.”
States with the highest total estimated damage from billion-dollar wildfires, 1980 to 2024
Rank | State | Estimated damage | # of billion-dollar wildfires |
---|---|---|---|
1 | California | $99.6 billion | 19 |
2 | Colorado | $7.2 billion | 12 |
3 | Oregon | $5.9 billion | 16 |
4 | Hawaii | $5.7 billion | 1 |
5 | Idaho | $3.5 billion | 15 |
Colorado ranks second, with $7.2 billion in damage from 12 billion-dollar wildfires. Oregon rounds out the top three, with $5.9 billion in damage from 16 billion-dollar wildfires.
Full rankings: Total estimated damage from billion-dollar wildfires by state, 1980 to 2024
Rank | State | Estimated damage | # of billion-dollar wildfires |
---|---|---|---|
1 | California | $99.6 billion | 19 |
2 | Colorado | $7.2 billion | 12 |
3 | Oregon | $5.9 billion | 16 |
4 | Hawaii | $5.7 billion | 1 |
5 | Idaho | $3.5 billion | 15 |
5 | Montana | $3.5 billion | 14 |
7 | Texas | $3.1 billion | 7 |
8 | Washington | $3.0 billion | 15 |
9 | New Mexico | $2.7 billion | 11 |
10 | Alaska | $2.3 billion | 8 |
11 | Tennessee | $1.8 billion | 1 |
12 | Utah | $1.4 billion | 10 |
13 | Arizona | $1.3 billion | 14 |
14 | Nevada | $1.2 billion | 11 |
15 | Wyoming | $1.1 billion | 9 |
16 | Alabama | $728.9 million | 2 |
17 | Oklahoma | $346.1 million | 6 |
18 | Florida | $304.2 million | 4 |
19 | Georgia | $292.8 million | 3 |
20 | South Dakota | $108.1 million | 2 |
21 | Minnesota | $99.9 million | 2 |
22 | North Carolina | $89.8 million | 2 |
23 | Nebraska | $58.1 million | 1 |
24 | Mississippi | $43.0 million | 1 |
25 | North Dakota | $13.1 million | 1 |
The devastating 2025 California wildfires in Los Angeles County left many residents grappling with the catastrophe without the safety net of home insurance.
Nearly 1 in 10 — 9.8% — Los Angeles County homes are uninsured. (Note: We’re classifying homes with home insurance costs of less than $100 a year as uninsured.) This is because insurers are dropping coverage and rates have risen significantly in recent years — specifically, by 48.4% cumulatively in California from 2019 through March 2024.
Analyzing U.S. Census Bureau data, we estimate that 154,108 of the 1,567,302 homes in Los Angeles County are uninsured.
“The high wildfire risk in California has led to insurance companies withdrawing from underwriting policies in some parts of the state, making it even harder for homeowners to find affordable policies that provide them with the protection they need,” says Divya Sangameshwar, LendingTree home insurance expert.
Before more homeowners self-insure — these expenses will come out of pocket and can be over 200% of your home’s value (excluding the value of the land and your home’s purchase price) — Sangameshwar says it’s important for them to understand what they’ll miss out on.
Home insurance policies provide coverage to rebuild homes and detached structures, replace homes’ contents and provide additional living expenses while they’re uninhabitable.
“California’s home insurance market needs urgent reform because homeowners are making this a risky choice due to a lack of affordable options,” she says. “Some of the largest insurance companies have stopped offering home insurance or are becoming more selective about which homes they’ll insure.”
This left some Californians not only facing the emotional and physical toll of the wildfires that are now fully contained, but also an insurmountable rebuilding bill, with many properties reduced to ashes.
Without the safety net of insurance, many face the daunting task of rebuilding with scant support. Here’s a breakdown of California homes presumed uninsured, by county.
% of California homes uninsured by county, 2023
Rank | County | # of uninsured homes | # of homes | % of homes uninsured |
---|---|---|---|---|
California | 806,651 | 7,658,458 | 10.5% | |
1 | Lake County | 3,866 | 19,900 | 19.4% |
1 | Kings County | 4,702 | 24,291 | 19.4% |
3 | Humboldt County | 5,846 | 30,673 | 19.1% |
4 | Tehama County | 2,984 | 16,814 | 17.7% |
5 | Imperial County | 4,423 | 28,111 | 15.7% |
6 | Napa County | 4,954 | 32,068 | 15.4% |
6 | Tulare County | 13,240 | 86,036 | 15.4% |
6 | Shasta County | 7,568 | 49,199 | 15.4% |
9 | Merced County | 6,869 | 46,291 | 14.8% |
10 | Sutter County | 2,898 | 20,611 | 14.1% |
11 | Fresno County | 26,783 | 191,496 | 14.0% |
12 | Kern County | 23,870 | 173,197 | 13.8% |
13 | Yuba County | 2,554 | 19,621 | 13.0% |
14 | San Benito County | 1,758 | 13,926 | 12.6% |
15 | Mendocino County | 2,618 | 21,550 | 12.1% |
15 | Sacramento County | 41,693 | 344,969 | 12.1% |
17 | Stanislaus County | 12,509 | 109,538 | 11.4% |
18 | Butte County | 5,522 | 48,755 | 11.3% |
18 | Madera County | 3,474 | 30,755 | 11.3% |
20 | San Bernardino County | 47,898 | 428,535 | 11.2% |
21 | Yolo County | 4,749 | 42,679 | 11.1% |
21 | San Joaquin County | 17,553 | 158,580 | 11.1% |
23 | San Mateo County | 16,808 | 156,693 | 10.7% |
24 | Santa Barbara County | 8,142 | 76,637 | 10.6% |
24 | Solano County | 10,733 | 101,526 | 10.6% |
26 | Orange County | 65,217 | 622,600 | 10.5% |
27 | Riverside County | 57,068 | 547,302 | 10.4% |
28 | Alameda County | 33,057 | 328,166 | 10.1% |
29 | Los Angeles County | 154,108 | 1,567,302 | 9.8% |
29 | San Diego County | 62,932 | 643,311 | 9.8% |
31 | Santa Clara County | 34,719 | 360,190 | 9.6% |
32 | San Francisco County | 12,975 | 138,176 | 9.4% |
33 | Ventura County | 16,683 | 179,756 | 9.3% |
34 | Monterey County | 6,375 | 70,057 | 9.1% |
35 | Santa Cruz County | 5,272 | 59,582 | 8.8% |
35 | Contra Costa County | 25,167 | 285,285 | 8.8% |
37 | Placer County | 9,079 | 117,474 | 7.7% |
38 | Nevada County | 2,341 | 31,428 | 7.4% |
38 | Sonoma County | 9,258 | 124,529 | 7.4% |
40 | San Luis Obispo County | 4,736 | 68,908 | 6.9% |
40 | El Dorado County | 4,089 | 59,619 | 6.9% |
42 | Marin County | 4,421 | 66,696 | 6.6% |
Preparing for wildfires: Top tips for homeowners
As wildfires increase in number and intensity, most Americans are exposed to some risk. And they’re not something to be taken lightly. In fact, Bhatt recommends everyone in risky areas have a go bag ready and an evacuation plan to keep them and their families safe.
Not only should you physically prepare yourself, but you should financially protect yourself. Bhatt recommends:
- Make sure your homeowners policy has enough dwelling coverage to rebuild your home. “Increasing your dwelling limit usually makes your insurance rate go up a little,” he says. “However, if your home is impacted by a wildfire or other disaster, having enough coverage can save you a lot.”
- Make sure you have an updated home inventory handy. “This is an itemized list of your possessions and their value,” he says. “You want to store it electronically in the cloud or in a safe physical location that you can access during a disaster. Having an updated home inventory handy can help you get your insurance check faster, because it allows you to quickly document your losses to your insurance company.”
- Consider disaster coverage. According to an earlier LendingTree study, up to 1 in 5 properties don’t have disaster coverage, which can provide additional coverage after a wildfire.
Methodology
LendingTree researchers first analyzed Federal Emergency Management Agency (FEMA) National Risk Index (NRI) wildfire data. Researchers summed the expected annual losses in the following categories to find the states with the biggest wildfire risk:
- Building value
- Population equivalence
- Agricultural value
Additionally, we used Verisk Wildfire Risk Analysis 2022 data to rank the most wildfire-prone states by the percentage of buildings with a low-to-extreme wildfire risk. We also included data for acres burned.
Using Insurance Information Institute (III) data on total wildfire counts, we calculated the percentage change in wildfires between 2021 and 2022, and then ranked the states. Delaware, the District of Columbia and Hawaii weren’t included due to limited sample sizes.
Lastly, researchers analyzed National Oceanic and Atmospheric Administration (NOAA) National Centers for Environmental Information (NCEI) billion-dollar disaster data. We looked at the entire period available from 1980 to 2024.
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