Wildfire & Insurance

Wildfire is a growing threat in the Rocky Mountain Region, where the population is booming in the mountains and foothills. People often don't realize the dangers of living in the Red Zone (dangerous wildfire area). They're drawn here by the breathtaking views, but they don't always see the potential for losing their homes to wildfire. To help protect themselves and their property, homeowners need to be aware of the importance of mitigating wildfire hazards AND be aware of the insurance impact of living in high-risk areas.

The Rocky Mountain Insurance Association has partnered with government agencies to provide homeowners information on protecting their properties against wildfires and making them more insurable.

Partners include the Front Range Fuels Treatment Partnership, the U.S. Forest Service, Colorado State Forest Service, Colorado Division of Emergency Management, the Front Range Fuels Treatment Partnership Roundtable, the New Mexico Insurance Division, and New Mexico State Forestry.

In September 2016, Carole Walker, Executive Director of the Rocky Mountain Insurance Association presented through a Virtual Workshop Series for Firewise. In this presentation, she answered many Frequently Asked Questions about Wildfire and Insurance for homes in the Wildfire Urban Interface (WUI).

Ask An Expert Firewise Virtual Workshop Series is presented by the National Fire Protection Agency and consists of hour-long workshops designed to connect wildland fire stakeholders with subject matter experts. The Firewise virtual workshop series provides conference quality, free learning opportunities for wildfire stakeholders, by connecting them with leading researchers and practitioners in a live interactive format. Each session is an hour-long and features a wildfire related topic that closes with questions received directly from participants.

Listen to Ms. Walker's Presentation

Wildfire Information and Guides

Download: Colorado Brochure | New Mexico Brochure

Contact RMIA to have a copy mailed to you.

Download: New Mexico Zmag: Are You Prepared for a Wildfire?

Also visit: Wildfire Statistics

Want a quick and easy way to check if you’re wildfire ready? Take the survey and explore your preparedness as you navigate your way around our virtual home. Get instant ideas to take your to-do list to the next level so you can plan ahead before the embers fly. You can also visit disastersafety.org/wildfireready for FAQs and more ways to protect you and your family from wildfire. Click here to go to IHBS to see how to download their wildfire app.

Wildfire Advice - Information on how to file a claim

Toll Free Numbers - For Policyholders

Getting Back Home - Tips for Homeowners Claims Process