Posts Tagged: wildfire

How can we navigate changes in the home insurance market?

A wildfire shockwave recently hit California. Maybe you missed it. While there were no large wildfires threatening homes, and the air wasn't thick with smoke like in the Northeast from the wildfires in Canada, a shockwave did hit.  

State Farm, California's largest home insurance company, issued an emergency declaration. As I write this, I note that my homeowner's policy is with State Farm, and while this may not affect me today, it could affect me when I choose to sell my home or buy a new one.   

State Farm announced they will stop issuing new home insurance policies. Allstate issued a similar policy last year. These actions, in essence, shrink the available pool of insurers in California and are a very troubling sign for all of us. Furthermore, this action may significantly lengthen the time it takes to sell or buy a home in California or may affect our long-term ability to sell in the future and capture the financial values we have in our properties.

The loss of over 43,000 structures to wildfire over the last 10 years has not gone unnoticed by the insurance industry. Increasing fire hazards and skyrocketing costs to rebuild has everyone on notice that business-as-usual is not working.

California's policymakers and the Insurance Commissioner have their hands full with structuring the insurance market, creating a market that manages risk and attracts a diversified pool of insurance carriers, stabilizing insurance availability and affordability, and supporting the real estate sector of California's economy.

As a member of the state's Risk Modeling Workgroup, I can tell you that many approaches are being debated to address our challenges, including 1) allowing reinsurance calculations to be a part of insurance rates, 2) finding other ways to fund the Fair Plan (California's insurance plan of last resort), and 3) allowing categorical models to forecast risk in order to better anticipate future losses. With the passage of Proposition 103 in 1988, rate setting has been driven by past claims experience. Most suggest that future losses are likely to be significantly worse than past losses.

On July 13, the California Insurance Commissioner will hold a public hearing on whether rates should utilize catastrophe models that can account for anticipated climate changes and risk mitigation actions taken by property owners.  Further, the state's Risk Modeling Workgroup will issue a report on this topic later this summer.

While these approaches are nuanced and complicated to understand, there are many actions that property owners can take to protect the value of their properties and mitigate risks.

Given this period of insurance instability, the best action property owners can take is to understand and mitigate wildfire risks. Reducing fuels, improving defensible space, and hardening the exterior of their structures to heat, flame and ember exposures will help to entice insurance companies to underwrite your property, enhance the ability to sell the property, and improve the odds of the building surviving future wildfires. By marketing the value of these actions, just like the remodeled kitchen or other property upgrades that attract homebuyers, you can market your asset to future insurance companies and buyers. Proactive actions, like upgrading vents, are a key part of the solution. 

 

AB 38 (2019) started this process by mandating that the seller of a property disclose to the future buyer defensible space actions that have occurred for properties in Very High and High Fire Hazard Severity Zones. In 2025, these disclosures need to include home hardening actions based on an established low-cost retrofit list. Over time, these actions are likely going to become key for the negotiation of price and potentially the closure of the sale.

Independent assessment of preventive actions may also be helpful. The Safer From Wildfires program was established in 2023 to help promote insurance discounts for the voluntary adoption of wildfire mitigation actions; in my opinion, it could be used as an insurability assessment as well. Another option is to consider the Insurance Institute for Business and Home Safety's Wildfire Prepared Home designation. Helping your community think through the issues and take collective action to meet a Firewise designation is another approach to consider.

More information about home hardening and defensible space can be found at UC Cooperative Extension's Fire website. And if you need help navigating a recent insurance cancellation, United Policyholders, a consumer rights advocacy organization, has helpful resources.

Wildfire adaptation will not occur overnight, but I believe we have a pathway and clear evidence to demonstrate that these types of specific actions will help all of us live successfully with wildfire in California now and into the future.

Prescribed fire, cultural burning get liability support to reduce wildfire risks in California

First-of-its-kind fund to offset losses if prescribed or cultural burn damages property

The State of California rolled out a first-of-its-kind approach to curbing the state's catastrophic wildfire problem on June 19 by providing new protections for prescribed fire and cultural burning practitioners. The $20 million allocated for the “Prescribed Fire Liability Claims Fund Pilot” will cover losses in the rare instance that a prescribed or cultural burn escapes control.

California Senator Bill Dodd authored the 2022 bill (Senate Bill 926) that made this fund possible, continuing his many years of leadership on wildfire and prescribed fire-related legislation.

“Prescribed fire is a cost-effective way to minimize the scope and severity of wildfires,” said Sen. Bill Dodd, D-Napa. “It's a tool that has been used for millennia by Native American tribes and one that will continue to play a big role in wildfire prevention. The rollout of this fund is a big step toward keeping California communities safe.”

The use of prescribed fire and cultural burning — sometimes collectively called “good” or “beneficial” fire — is a key component of wildfire risk management in California. These projects reduce hazardous fuels, help restore ecological and cultural values, and make our communities safer and our ecosystems more resilient to wildfire. However, lack of liability insurance for practitioners has been a major barrier to increasing the use of prescribed fire, even as firefighters, fire scientists, at-risk communities and state, federal and tribal leaders call for more.

The Prescribed Fire Claims Fund pilot project removes a significant barrier to obtaining insurance for potential damages from a prescribed fire or cultural burn conducted by a certified prescribed fire burn boss or a cultural fire practitioner,” said CAL FIRE Director/Chief Joe Tyler. “As we continue to focus on increasing the resiliency of the state's forests, creating a pathway for private burn bosses to have the significant protection this claims fund provides is a critical step toward reaching the goals of the Governor's Wildfire and Forest Resilience Action Plan.”

The fund will provide up to $2 million in coverage for prescribed fire projects led by a qualified burn boss or cultural practitioner. The fund is meant to demonstrate that prescribed fire, when carefully planned, resources and implemented, is a low-risk land management tool that mitigates the larger, more damaging risks of high-severity wildfires. The fund is the first of its kind nationally and is the result of several years of collaboration by a diversity of partners working with Senator Dodd's Office, including The Nature Conservancy, CAL FIRE, the University of California Cooperative Extension, the California Department of Insurance, tribal representatives and many others.

“Launching this program is a key step in scaling ecologically based forest management to reduce the risk of megafires. We appreciate Senator Dodd's leadership and the expedient work of CAL FIRE and beneficial fire practitioners to develop this fund as the next fire season quickly approaches,” said Dan Porter, The Nature Conservancy's Forest Program director.

The fund will also advance cultural burning, helping Indigenous Californians restore their connection to fire.

“Cultural burning is an essential practice to meet diverse objectives, including biodiversity stewardship, ecological health and community safety. The availability of this pilot fund provides cultural fire practitioners a safeguard against financial risk in the unlikely event of an escaped burn. This is a significant incentive to support revitalization of burning traditions following the legacy of policies banning such practices,” said Don Hankins, professor of geography and planning at CSU Chico and co-founder of the Indigenous Stewardship Network.

This fund is part of a larger vision for restoring beneficial fire across California's fire-adapted ecosystems. Last year, the state released its Strategic Plan for Expanding the Use of Beneficial Fire, which identified this claims fund as a priority. The state has also rolled out a state-certified burn boss program, changed the liability standard for prescribed fire, and made investments in prescribed burn associations, agency staffing, and other related efforts.

“We are using every tool to protect Californians, including using prescribed fire to fight wildfires,” said Insurance Commissioner Ricardo Lara. “The Prescribed Fire Claims fund will be critical to assisting our tribal groups, nonprofits and private landowners who are leading the way. This is an example of government being innovative and leading by example. The data that we get from the claims fund is going to be essential to our on-going education with insurance companies to support insuring this important work.”

Lenya Quinn-Davidson, Fire Network director for the University of California Agriculture and Natural Resources, says the recent momentum is unparalleled.

“Californians are desperate to have a better relationship with fire, and only with innovative approaches like this claims fund will we be able to unleash the good work that needs to happen,” said Quinn-Davidson. “It's a challenging time to be working on fire in California, but also an incredibly inspiring time.”

More information about the Pilot Prescribed Fire Claims Fund can be found on the CAL FIRE Website at https://www.fire.ca.gov/what-we-do/natural-resource-management/prescribed-fire, including frequently asked questions and an enrollment form for practitioners.

Workshops for forest landowners come to Solano, Sacramento counties, beginning July 18

Free forester site visit for landowners who complete workshop series

Forest landowners in Solano and Sacramento counties are encouraged to learn about their forests and connect with natural resource professionals in their areas during the next Forest Stewardship Workshop Series from University of California Cooperative Extension, July 18 to Sept. 12. These programs can be essential for small landowners who seek to make their forests resilient against wildfire.

Upon completing the nine-week series of virtual and in-person sessions, landowners also will be eligible for a free site visit from a local Registered Professional Forester (RPF), Certified Range Manager or California Certified Burn Boss.

Content is applicable to all forest landowners regardless of where their forest is located and will highlight talks from the local Resource Conservation District, UCCE forestry advisors, CAL FIRE, Natural Resources Conservation Service, and other natural resources community leaders. Registration fee is $60 for the workshop series, which will address common concerns among California landowners, including but not limited to:

• Forest ecology and vegetation management
• Financial planning and cost-sharing opportunities
• Oak woodland management and targeted grazing

Past participants have rated the workshop series highly, with 98% of 2022 participants rating the series overall as excellent or very good. In addition, 94% of past participants reported greater awareness of applying for and using cost-sharing programs.

A past participant has described the workshops as very accessible, saying “they (UCCE) broke things down into small pieces, [and] staff were always an email away.” In seeking to make an otherwise large amount of content approachable, UCCE hopes that landowners come away with a holistic understanding of the management process.

The workshop will take place in a hybrid setting, with classes taking place weekly online over Zoom. Participants will also engage in practical learning through a field day, where they can meet other cohort members and UCCE professionals at an outdoor field location.

At the conclusion of the workshop series, landowners will be equipped with the knowledge and network that will empower them to manage their forests in ways that meet their specific goals and objectives.

Community members in Sacramento and Solano counties interested in forest management, forest and fire ecology, and related topics are encouraged to register: https://surveys.ucanr.edu/survey.cfm?surveynumber=28675.

Forest landowners across California can learn about upcoming workshops in their areas, and also find additional resources, publications and videos: https://ucanr.edu/sites/forestry/Stewardship/.

Wildfires may spur animal biodiversity

 

Naturally fire-prone ecosystems tend to have more species of birds and mammals, new study reveals

Wildfires. Many see them as purely destructive forces, disasters that blaze through a landscape, charring everything in their paths. But a study published in the journal Ecology Letters reminds us that wildfires are also generative forces, spurring biodiversity in their wakes.

“There's a fair amount of biodiversity research on fire and plants,” said Max Moritz, a UC Cooperative Extension wildfire specialist who is based at UC Santa Barbara's Bren School of Environmental Science & Management and the study's lead author. Research has shown that in ecosystems where fire is a natural and regular occurrence, there can be more species of plants — a greater “species richness” — due to a variety of factors, including fire-related adaptations. But, he said, there hasn't been nearly as much research in the way of animal biodiversity and fire.

“If you look at how fire operates across the planet, fire actually eats plant productivity,” Moritz said. Productivity, which is a measure of how quickly biomass is generated within a given ecosystem, is also a driver of species richness at broad spatial scales. “When fires occur, they can take a bite out of that bottom line,” he added.

If fire regularly consumes some of the base of an ecosystem's food chain, how does that ripple up to affect the biodiversity at higher levels?

That was the question Moritz investigated during a project supported by UC Santa Barbara's National Center for Ecological Analysis & Synthesis; he later recruited collaborators Enric Batllori from Universitat de Barcelona and Benjamin M. Bolker from McMaster University in Canada. For several years they combed through global datasets on various factors such as plant biomass, fire observations and species richness patterns.

While it might be natural to assume that plant biomass regularly consumed by fire would in turn lead to lower animal biodiversity, they found that for birds and mammals, fire is associated with increased diversity. In fact, they say, the effect of fire on biodiversity in the case of birds rivals that of the ecosystem's productivity. And in the case of mammals, fire's influence was even stronger than that of productivity.

“It's counterintuitive,” Moritz said. In the short term, fire's consumption of plant material (also known as “net primary productivity”) could result in less food for the animals that consume plants and make it more difficult to survive and reproduce. But in the longer term, he said, there may be evolutionary effects that unleash adaptations and formations of new species.

The researchers also looked at the effect of fire on amphibian species, however, the connection between fire and biodiversity in their case was difficult to make, possibly because amphibians live in wetter environments where fires may not be a regular occurrence.

So what accounts for the net positive effects of fire on mammal and bird diversity? The study is a correlative one, Moritz said, so more granular examinations have to be made to find out for sure. But it's likely that fire selects for species that can adapt to and quickly recover from a burn, and fire often creates environmentally complex habitats that meet different species' requirements.

“We know that fire creates a lot of heterogeneity and opens up all these niches,” Moritz said, and this resource availability might create favorable environments for some organisms to flourish alongside or over others. For example, animals that have strategies to survive fires or reproduce faster might do better in a fire-prone environment, as could those that make use of different habitats that emerge in the wake of a blaze.

Despite the connection between fire and species richness, the authors are careful to point out it does not mean fire is good for all ecosystems. In places where fire is not a natural occurrence, its presence “is more of a modern threat than an important process to maintain,” they said. And for places where fire is a natural part of the ecosystem, climate change-driven and intentional deforestation fires “may be quite different from natural fire regimes.”

Nevertheless, they say, these findings indicate that fire plays an underappreciated role in the generation of animal species richness and biodiversity conservation. Furthermore, the study adds nuance to the Latitudinal Biodiversity Gradient, a global pattern of terrestrial biodiversity in which the world's most biodiverse areas are located nearest to the equator, with levels of biodiversity generally decreasing toward the poles.

“This is a pattern that people have known for decades and have argued quite a bit about in terms of what drives it,” Moritz said. “And it turns out, it's hard to figure out. And it looks like fire plays a far more important role than we've ever really understood.”

Lessons from the 2022 wildfire season offer hope

As we prepare for wildfire in 2023, we reflect on what we learned from the 2022 fire season. From a statistical point of view, fewer acres were burned, and fortunately, fewer lives and homes were lost. Less than 400,000 acres were burned, a sevenfold reduction from 2021. On a similar note, less than 1,000 structures were destroyed by wildfire, representing a fourfold reduction from 2021. Those are significant changes, but as I reflect on my experience studying the vulnerabilities in our communities to wildfire, sadly, I need to share that “we're not out of the woods yet,” so to speak, but the formula for success is becoming clearer.

Recently, I worked with great colleagues to evaluate factors contributing to home loss in the town of Paradise during the Camp Fire. In that experience, we learned that the condition of the community of nearby homes has a significant impact on an individual building's survival. In our research, we found that the strongest predictor of loss was attributed to the distance to the nearest destroyed structure, especially if the destroyed building was within 50 feet. That means if a home succumbs to wildfire, it affects the survival of neighboring homes. That lens helped me look for patterns in 2022's wildfire season.

Fences create a wildfire path

I started 2022 in Boulder, Colorado, at the Marshall Fire. Many may remember that on Dec. 30, 2021, a wildfire challenged our views of when the fire season is deadliest. We were ready to welcome the new year and wildfire was furthest from our minds when several fires ignited during a significant wind event (the cause has still yet to be determined), and within minutes the fire spread to several communities around Boulder. Propelled by gusts of 115 mph, the fire burned 6,000 acres, and when it finally was suppressed by a snowstorm 12 hours later, it left behind 1,084 destroyed structures, including a hotel, a Target store and one shopping center. In January, two weeks after the fire started, I was privileged to accompany scientists from the Insurance Institute for Business and Home Safety (https://ibhs.org/risk-research/wildfire/ ) and UC ANR's Steve Quarles, UC Cooperative Extension advisor emeritus, to search for clues to help understand why some buildings succumbed and others did not.

The Marshall Fire burned on the east side of the Rocky Mountains, very different from the forested community of Paradise, where visual privacy between homes can be met through trees. During my visit, I saw that the Marshall Fire quickly spread through the region's grasslands and then to homes via a spaghetti of wooden fences.

These fences offer these communities privacy and backyard protections for kids and pets, but also create a pathway for wildfire to travel between homes. More specifically, the burning grass came into contact with debris and leaves caught at the base of wooden fences, igniting the fence and creating a pathway to bring fire directly to the house. The burning fence ignited surrounding dry ornamental plants and traveled down the fence line bringing flames directly to the house. Once a home ignited, the winds whipped embers from the burning homes to adjacent homes.

I believe that if the fences been upgraded with a 5-foot section of noncombustible materials or a metal gate attaching the fences to the houses, a burning fence would have been much less likely to damage the home.

Fuel reduction works

Fast forwarding to May, another fire challenged California's view of the fire season. The Coastal Fire burned on May 11, 2022, in Laguna Niguel near the California coast in Orange County. It was a small fire (200 acres) that burned through dense brush known as chaparral and raced up steep slopes to a network of homes that had been managed to withstand wildfire. In the end, 20 homes were lost. During my visit with my colleague Luca Carmignani, UC Cooperative Extension area fire advisor, we observed that the situation could have been much worse. 

The community had completed a significant amount of fuel reduction and prevented flames from directly contacting the homes. This is a huge success that should be celebrated. Their weakness, however, was not preparing for the ember cast that came from the burning chaparral. These homes exhibited the classic effect of having the fire burn to the edge of the community and stop. Then 30 minutes later, fire personnel and the media observed puffs of smoke emanating from the roofs of the homes.  So, what was the cause?

Embers found ways inside homes

Embers had penetrated the attic vents, found combustible materials, and fire ignited inside these houses. Fortunately, fire personnel were able to contain the damage to the homes at the exposed edge of the canyon rim and prevent a widespread home-to-home tragedy. Had these communities upgraded their vents to resist embers, the odds that these homes would have survived would have greatly increased.

Defensible space adds protection

The Oak Fire in Mariposa County in July provided another interesting lesson. The fire burned 20,000 acres and took 182 structures. A colleague from CAL FIRE shared that homes that had failed their defensible space inspection before the fire were six times more likely to be lost in the Oak Fire.

Defensible space is the modification and reduction of combustible materials and vegetation around a home. This required fuel modification provides a safe place for fire personnel to safely stage to address the approaching wildfire, and it also protects the house from catching fire. We all know this is a good practice; perhaps this data can help underscore its importance in building protection.

Wildfire preparation makes a difference

So, what did 2022 tell us? Simply, the details of wildfire preparation matter. Homes are destroyed by one or a combination of exposures: direct flame touching the building, embers penetrating a building through open windows or porous vents, or the radiant heat from the combustion of nearby fuels or homes leading to window breakage.

As Californians, we must prepare for all three types of exposures. We need to break the pathways of continuity from fences and vegetation to our structures. We need to harden our structures to resist heat and embers. We need to reduce fuels around our homes through the creation of defensible space.  

To me, home loss to wildfire is predictable; however, the solutions to reducing home loss are within our sights and, with some tenacity and attention to the details, are within our capacities.

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