Worsening Conditions
8 of California's 10 most Destructive wildfires to date came in the last decade.
The Problem
A New Era of Destructive Wildfires
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Wildfire Season has extended by 71 Days since 1970.
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Fires are now both Fuel and Wind Driven, spreading faster than ever before.
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Wildfires are moving into neighborhoods and homes are burning.
Property Destruction
Over 56,000+ Homes have burned in California since 2018.
California's insurer of last resort is exploding in size. FAIR Plan policies have grown from roughly 126,000 in 2016 to more than 660,000 today as private insurers retreat from wildfire-exposed areas.
Systemic Insurance Collapse
400,000+ Policies Canceled Since 2018
Over 400,000 homeowners insurance policies have been canceled in California over the past decade due to wildfire risk. As fires grow larger, more frequent, and increasingly destructive, insurers are retreating from high-risk areas.
FAIR Plan has $720B+ Overexposed
As policyholders are pushed out of the private market, the California FAIR Plan has grown to roughly $724 billion in insured exposure - and the 2025 Los Angeles fires triggered a $1 billion emergency assessment to support claims payments.
What it means to protect a home in California is Changing...
Sources: CAL FIRE, CAL FIRE Top 20, CA FAIR Plan, CA DOI
Embers Are The Threat
Embers Cause 90% of Home Ignition
Arrival
Wind-driven embers can travel up to 2 miles ahead of the main fire front, reaching a home long before flames arrive.
Ignition
Once they land, embers can ignite the most vulnerable parts of a property - including roofs, vents, gutters, decks, fencing, mulch, and surrounding vegetation - turning small ignition points into full structure fires.
Hardening Alone Is Not Enough
Passive Defense has hit a Ceiling of Effectiveness
Gaps in Protection
Embers accumulate in hidden vulnerable zones. They can lodge in roof transitions, gutters, vents, fencing, mulch, and dry vegetation surrounding the home.
Responder Delays
During wildfire events, roads close, chaos, resources, stretched thin, making it difficult for firefighters to arrive on time or at all.
Passive Defense Shortfalls
Passive measures are an important first step, but they still leave too much to chance. Wildfire behavior is unpredictable, and ember landing patterns can create hidden ignition points that passive protection alone cannot fully prevent.
The Layer Hardening Leaves Out
Exterior sprinklers add that operational layer, helping interrupt ember-driven ignition when the home is under active exposure.
In the Ham Lake Fire, all but one structure with a working sprinkler system survived, and 72% of threatened structures that survived had working sprinklers.
Sources: Ready For Wildfire, IBHS, Ham Lake Report
This Effects You
Make a Change that makes a Difference
For Homeowners
This is Personal.
A home is far more than a building. It is the center of daily life - where mornings begin, families gather, and memories are made. It is also the largest financial investment most people will ever make. Wildfires do not just threaten the structure - it puts a family's stability, belongings, and future on the line.
For Insurers
Risk ≠ Reward
The Math Is Broken. Insurers paid out roughly $1.10 in claims and expenses for every $1 collected in premiums. As wildfire losses grow more severe and less predictable, insurers are being forced to pull back, raise premiums, or search for more measurable ways to reduce property-level risk.
For Builders
Resilience Is Essential
Homes in wildfire-prone areas need to be designed and upgraded with modern fire behavior in mind. That means thinking beyond code-minimum hardening and implementing exterior sprinkler systems into new builds for maximum protection.
Active Risk Reduction is the Missing Piece
Exterior sprinkler systems Actively Mitigate Risk so You and your Insurer can feel Protected.
Exterior sprinkler systems use water and retardant to wet ignition-prone surfaces before embers can take hold and spread into the structure. By applying a protective layer across the parts of the home most vulnerable to ember attack - including roofs, vents, gutters, and perimeter fuels - they help reduce the chance that a small ember becomes a major structure fire. That is where active defense changes the equation: not by replacing hardening, but by adding a protective layer during the moment it matters most.
Sources: CA DOI Market Update, CA FAIR Plan, CA OSFM
Protection Starts Here
Get Protected today before the next Red Flag Warning.