Personal Risk Insights
Wildfire Trends in 2025: Challenges & Solutions
MAY 6, 2025
Over the past several decades, the U.S. has seen a significant rise in wildfire activity, resulting in increased damage. The Los Angeles wildfires destroyed more than 16,000 structures in January 2025 — three times the number of structures destroyed in all of 2024. Additionally, wildfires consumed more than 8.9 million acres in the U.S. in 2024, compared to nearly 2.7 million in 2023 — an increase of 231%.1
Fortunately, industry leaders are developing innovative methods and standards for wildfire prevention and mitigation. Below, USI Insurance Services examines wildfire trends for 2025 and provides risk management techniques to reduce homeowners’ risk of loss.
Wildfire Predictions for 2025
Wildfire experts forecast another difficult fire season. There are several factors driving these predictions:
Large portions of California, the southwestern U.S., and northern British Columbia are facing extreme drought, leaving vegetation dry and highly flammable.2 Other regions in North America, including historically low-risk areas like the Northeast, are also experiencing increased drought, leading to dry vegetation and higher wildfire risks. Consequently, areas previously unaffected by major wildfire threats may now face them more frequently, on a larger scale, and during times typically considered "offseason."
It’s too early to know if El Niño will appear this summer. Historically, El Niño events have been associated with increased wildfire activity due to reduced rainfall and elevated temperatures, which exacerbate fire risks.3 As of mid-April 2025, sea surface temperatures are near average, indicating 2025 may experience neutral conditions.4
In the past 10 years, fire seasons have lengthened, with some areas facing fires throughout the year. Experts anticipate this pattern will persist in 2025, with fires starting earlier in the year and extending well into the fall.
Prescribed burn practices have greatly reduced in recent years. This has increased vegetation, which becomes highly flammable fuel for fires. Drought-stressed trees also contribute to the problem, as they are more susceptible to ignition.
Human-caused fires continue to be a major concern. As more people move into urban-wildland interface areas, the risk of accidental ignition rises.5 People mistakenly believe that large flames are the primary cause of destruction, but wind-driven embers travel beyond the initial danger zone, turning wildland fires into urban disasters.
The rapidly increasing domestic demand for energy, driven by the growth of energy-intensive data centers, poses a major risk to power grid improvements. These centers consume vast amounts of energy, and utility companies must find sustainable and safe ways to meet this demand while limiting fire risk. Expanding the energy grid, however, introduces more potential fire vulnerabilities.
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Create a 30-foot space free |
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Extend 30-100 feet |
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Extend 100-200 feet |
Ember defense. Clean roofs and gutters of debris, replace loose or missing shingles or tiles, and install 1/8-inch metal mesh screening in eave vents.
External sprinkler systems. Rooftop sprinkler systems hydrate the roof, gutters, decks and surrounding vegetation to help prevent ignition. Home and vegetation sprinkler systems not only saturate the home and surrounding vegetation with water and biodegradable firefighting foam, but may be activated remotely via an app, enabling you to protect your home even if you’re not there.
Interior sprinkler systems. Systems that connect to the home via the water main and don’t rely on significant heat buildup can deliver better outcomes for people and property.
Fire-retardant gel. When mixed with water, this provides a thermal-protective coating that can protect structures from burning. Attach a hose to the kit to spray your home and other flammable surfaces as a protective measure before evacuation.
Smart smoke detectors. These give alarm notifications or alerts on your smartphone. You can manage features with an app. Some provide a voice alert to give you early warnings of smoke or carbon monoxide and tell you where the hazard is, so you can respond quickly and safely.
Smart heat detectors. Some detectors trigger an alarm once a preset temperature is reached, and others have a rate-of-rise detector triggered by a rapid rise in temperature. There are also heat detectors with both capabilities.
Smart batteries. These connect to your WiFi, so you can remotely check if your smoke detector batteries are running low. An added benefit is no more low battery chirps in the middle of the night.
How USI Can Help
USI is here to assist you with your risk management needs. If you would like to learn more about wildfire mitigation or to design a comprehensive, personalized plan, contact us at personalriskservice@usi.com.
Sources:
1 5 Wildfire Trends in 2025 and Beyond | The Link
2 droughtmonitor.unl.edu
3 climate.gov/news-features/blogs/enso/january-2025-update-la-nina-here
4 What to Expect from El Niño and La Niña in 2025: A Look into the Future of Weather Patterns | Husqvarna Water
5 5 Wildfire Trends in 2025 and Beyond | The Link
6 community.fema.gov/ProtectiveActions/s/article/Wildfire-Mitigation-Property-Defensible-Space?#:~:text=The%20National%20Fire%20Protection%20Association,accessible%20to%20the%20fire%20department
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