The Financial Impact Of Fire: Why Comprehensive Home Insurance Matters

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The Financial Impact Of Fire: Why Comprehensive Home Insurance Matters

The Financial Impact Of Fire: Why Comprehensive Home Insurance Matters

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The Financial Impact Of Fire: Why Comprehensive Home Insurance Matters

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The Financial Impact Of Fire: Why Comprehensive Home Insurance Matters

Received: 21 August 2020 / Revised: 2 September 2020 / Accepted: 5 September 2020 / Published: 7 September 2020

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The increase in wildfires in the western United States requires understanding of how climate changes the risk to homes. Here, We count the number of homes threatened by wildfires in the United States, 1.6 million. Suppression costs and sources of ignition are calculated. Human-caused wildfires account for 97 percent of threatened residences (within 1 km of wildfires) and almost a third of suppression costs. This study is based on the U.S. The wildland-urban interface (WUI), which accounts for only a small part of the land area (10%), acts as a major source of fire; Depicts that it almost started with man. Collectively (1992-2015); There are just over a million homes within the human-caused wildfire perimeter in the WUI, where communities are built within flammable vegetation. A record 58.8 million homes are within one kilometer over 24 years. During the WUI (1999–2014), on an annual basis, 2.5 million households (2.2 to 2.8 million, 95% confidence interval) were threatened by human-initiated wildfires (within the perimeter and up to 1 km away). The number of households living in the WUI increased by 32 million from 1990-2015. The combination of development into hot, dry conditions and flammable landscapes puts many communities at risk of human-caused wildfires. In particular, as the number of residential homes in the WUI is growing and expected to continue to increase in the coming years, these areas are a priority for policy and management efforts aimed at reducing anthropogenic fires and improving future fire resilience.

Wildfires pose a direct threat to communities and people living in fire-prone areas [1, 2]. Communities mixed with undeveloped or undeveloped wildland vegetation create zones called Wildland-Urban Interface (WUI; <10% of U.S. land area) [3; 4, 5] Wildfire danger is greatest across the United States. The human relationship with wildfire in WUI is fueled by an increasing number of people living in fire-prone landscapes (threatened communities and fire sources) (6, 7, 8, 9], a warmer and drier climate, [10, 11, 12] and, in some areas, years of fire suppression. Elements of these interactions are the subject of contemporary scientific debate and public discourse. [15]'s point, but we still do not know how wildfire-threatened homes and WUI communities contribute to wildfire nationally.

WUI expanded in the US by a third between 1990 and 2010 and is projected to double by 2030. Currently, U.S. There are approximately 2.5 million residential buildings in WUI’s fire-prone areas; The value of assets at risk is equivalent to $1.4 trillion. Importantly, Only 15% of WUI in the west is developed and the remaining 85% is available for development, highlighting potential WUI expansion areas [16] and the need to implement strategies now that will reduce future wildfire risk in an expansion. WUI In addition, exposure to wildfire smoke can cause serious adverse health effects [17]. An estimated 17.5 million residents of these fire-prone WUI areas in the western United States are expected to experience longer and more intense smoke waves from wildfire smoke for more than two days. As wildfires continue to grow, wildfire displacement due to loss of homes or poor air quality is expected to increase. [15, 19]

[15] Despite calls for adaptation to wildfires. There are no annual national estimates of the number of homes actually threatened by wildfires and the role of human-related fires in starting fires near these communities. Previous work estimated that 286,000 households were exposed to large wildfires (400 ha of small wildfires) between 2000 and 2010, based on decadal data within census blocks. Additionally, 84% of the nation’s wildfires were documented to have been caused by people between 1992 and 2013, but this work did not quantify the role of wildfires where people actually live. In addition, Also problematic is the lack of estimates of wildfire threat to homes in four of the top ten largest wildfire years (> 32,000 km) to 2010.

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Human influence on forest watersheds is an important predictor of forest fire risk [4, 21, 22, 23]. for example, Proximity to roads at the regional scale is positively associated with wildfire density [4, 22], and fire density is inversely related to population density ~10 people/km [24]. On a regional, national scale; WUI areas and proximity have been shown to influence the occurrence of large wildfires (40 ha) [25]. Recent work by Syphard et al. [9] again showed that human presence is more important in wildfires than climate in the associated US-wide climate. However, the location of the fire is mainly driven by weather conditions [10, 26]. Despite the important role of humans in fires, it is unknown how WUI acts as a source of human fires and how destructive fires are.

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