There are a lot of factors that insurance companies look at in order to determine if a home is located in a fire risk area. Even if you have cleared out your property of brush, you may still fall in one of these categories which can make it tough to get the coverage you need.
- Location and Topography: This is your surrounding landscape and terrain specifically including brush and other flammable surroundings.
- Wind Patterns: Depending on the data collected about the wind in your area, the wind patterns could show tendency for a wildfire to be blown in your home’s direction.
- Distance to fire hydrant or water supply: Many insurance companies prefer homes to be located within 1,000 feet of a large water supply.
- Distance to a fire station: Many insurance companies prefer your home to be located with in 5 miles of a fire station and volunteer fire stations do not count.
- Public Protection Classification: This is a rating system developed to determine your home’s fire risk. The system rating are 1 – 10, with 10 being extreme fire danger.
- FireLine Score: The Insurance Services Office takes into consideration surrounding brush, fuel, or property slope and other factors to determine the accessibility of your home in the time of fire.