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When you purchase a house, it’s important to be aware of the potential risks in your area, such as earthquakes, flooding, weather-related damage and even theft. However, one of the biggest threats that all homeowners face—regardless of where you live—is house fires. Unfortunately, house fires are extremely common in the U.S. and they happen unexpectedly. House fires can quickly grow out of control and cause serious damage to property and life.

To protect yourself against the financial repercussions of home fires, having a comprehensive homeowners insurance policy is extremely important. Fire is a covered peril under most basic home insurance policies, so you don’t need a special type of policy or endorsement to get coverage. If a fire breaks out in your house, your homeowners insurance policy will pay to repair the damage to the physical structure of your home and replace your personal belongings, up to your policy limits. It will also typically pay for temporary living expenses while your home gets repaired.

House fires facts and statistics 2022

House fires are more common than you might imagine. According to the National Fire Protection Association (NFPA), more than 25% of reported fires between 2015-2019 occurred in residential homes. Fires can happen in any house, in any part of the country. Here are some eye-opening statistics about house fires in the U.S.:

  • In 2020, a U.S. fire department responded to a fire somewhere in the country every 23 seconds, on average. (NFPA – Fire Loss in the U.S.)
  • A single home fire occurred every 89 seconds in 2020. For comparison, a single fire in any structure was reported every 64 seconds. (NFPA – Fire Loss in the U.S.)
  • In 2020, one fatal house fire occurred every three hours and 24 minutes. One home fire injury occurred every 46 minutes. (NFPA – Fire Loss in the U.S.)
  • Although home fires are very common, house fires only account for about 25% of all reported fires nationwide. (NFPA – Fire Loss in the U.S.)
  • The rate of home fire fatalities has not improved over the last few decades. For all home fires in 2020, the rate of 7.2 deaths per 1,000 reported home fires was almost unchanged from the rate of 7.1 deaths per 1,000 reported home fires in 1980. (NFPA – Fire Loss in the U.S.)
  • An estimated 75% of civilian fire deaths and 72% of all reported fire-related injuries were caused by home fires. (NFPA – Home Structures Fire Report)
  • In 2020, home fires across the U.S. resulted in an estimated $7.3 billion in direct property damage. (NFPA – Home Structures Fire Report)
  • 2020 data shows that almost three out of every five fatal home fire victims were 55 years old or over, and nearly two out of every five fatal home fire victims were 65 or older. (NFPA – Home Structures Fire Report)
  • An estimated 34% of house fire injuries are caused by attempting to put out or control the fire. 28% of house fire injuries occur when attempting to escape the house. (NFPA – Home Structures Fire Report)
  • In 2020, most house fires happened between the hours of 5 p.m. – 8 p.m., when many people are home and cooking dinner. Data shows that only 19% of house fires were reported between 11 p.m. – 7 a.m., but these fires caused almost half of all home fire deaths that year. (NFPA – Home Structures Fire Report)
  • About 66% of all home fire deaths and 69% of home fire injuries occurred in living rooms, bedrooms and kitchens. (NFPA – Home Structures Fire Report)

Top five causes of house fires in the U.S.

There are many house fire causes, but the majority of home fires in the U.S. are caused by cooking. Data shows that most home fires start in kitchens, which is also where most house fire injuries occur. This is especially true in apartments and multi-family homes. An estimated 69% of kitchen fires occurred in apartment and multi-family settings, whereas only 33% of kitchen fires started in single-family or two-family homes, based on a 2020 report.

Cooking fires are a leading cause of home fire deaths. However, between 2015-2019, the most home fire deaths were caused by smoking materials, like cigarettes and lighters. During this four-year period, fires caused by smoking materials resulted in an average of 600 deaths and 1,030 injuries per year. Data also shows that fires caused by smoking materials typically have the lowest impact on direct property damage.

You might also be surprised to learn that intentional fires are one of the leading causes of U.S. home fires. For all reported home fires between 2015-2019, about 7% were intentional. Data shows that intentional home fires have the lowest fatality rate out of the top five causes, but from 2015-2019, there were an average of 380 deaths per year and 800 injuries per year caused by intentional home fires.

The table below highlights the most common causes of house fires and the average property loss per cause, according to data from the NFPA’s Home Structure Fires Report:

Cause Average number of house fires Average property loss
Cooking 169,400 $1.2 billion
Heating equipment 45,800 $1 billion
Electrical distribution/lighting equipment 32,000 $1.3 billion
Intentional fire setting 28,400 $554 million
Smoking materials 16,300 $511 million

Does homeowners insurance cover fires

Home insurance is not a legal requirement, but if you have a mortgage, it’s likely that you are required to have it. If you are wondering, “Does homeowners insurance cover fire” the answer is yes. Under most standard homeowners insurance policies, fire is one of the covered perils, whether you have a named perils policy or an open perils policy.

Specifically, homeowners insurance covers damage from the fire itself, as well as smoke damage. So, for example, if a fire tore through your attic and destroyed the roof, your home insurance policy would pay for the repairs. It would also pay to replace the items that were stored in the attic if they were damaged by the flames or smoke. Your policy will have coverage limits, however, so be sure that your limits are high enough to cover your structure and belongings.

Most causes of home fires are covered by homeowners insurance. That includes electrical fires, kitchen fires and fireplace accidents, as well as fire damage caused by candles or space heaters. In most cases, wildfires are also covered, but it can depend on your state. Even if a house fire is caused by carelessness, such as leaving the oven on all night, your home insurance policy will most likely cover the damage.

It probably goes without saying, but your homeowners insurance policy will not cover damage caused by intentional fires. If you attempt to burn your house down to get an insurance payout, your insurance company won’t cover the damage, and you could be charged with insurance fraud. In addition, most home insurance policies exclude coverage for arson. If someone sets your house on fire intentionally, your home insurance policy may not cover the damage, even if you were not at fault.

House fire safety tips

Home fires can be triggered by a variety of things, but many house fires are preventable. Taking the right safety precautions can reduce the risk of a fire starting in your home so you can keep your family safe. Here are a few tips for avoiding house fires:

  • Install smoke alarms: Smoke alarms can save your life in the event of a house fire. If your home does not have smoke alarms, you can easily install them yourself with a ladder. Put smoke alarms in the kitchen, living spaces and bedrooms, and connect them so they will all sound when one alarm is triggered. Don’t forget to test your smoke alarms regularly.
  • Make a fire escape plan: When a fire breaks out in your home, you may only have a few minutes to escape, so it’s important to have an escape plan. Draw a blueprint of your home and designate at least two points of exit. If you have children, make sure they know the escape plan and feel comfortable getting out quickly. As part of your plan, you should also designate a meeting space away from the home so you can make sure everyone is accounted for.
  • Be aware when cooking: Because most home fires start in the kitchen, it’s important to stay aware when you are cooking. Don’t walk away when the stove is on, avoid wearing loose clothing that could ignite and keep flammable items, like dish towels and food wrappers, away from burners. If you are cooking with oil, make sure to clean up any leftover grease as soon as it cools.
  • Don’t smoke inside: If you or someone in your home smokes, it’s safest to smoke outside. Lighters and cigarettes can produce embers that can catch other things on fire, including clothing. You should also make sure to use an ashtray if you or someone else is smoking. Even if you are outside, you should never toss cigarettes. They can cause small fires in grass or brush, which could eventually spread to your house.
  • Light candles safely: When lighting candles, be aware of the surroundings. You should avoid lighting candles near furniture, plants or anything else that could be flammable. Ideally, you should light candles where you can see them, so you don’t accidentally leave a candle lit when you go to bed or leave the house.
  • Keep matches and lighters away from kids: If you have children in your home, make sure to keep matches and lighters in a drawer or somewhere out of reach. Playing with matches and lighters can lead to home fires and it can put the child in danger.
  • Use space heaters safely: Generally speaking, space heaters are not the safest way to heat your home. But if you need to use space heaters, avoid running them near flammable materials, like bedding, curtains or furniture. If possible, you should also avoid running a space heater at night.
  • Evacuate if you smell natural gas: Natural gas leaks can cause explosions, which can ignite and set your house on fire. If your home uses natural gas and you smell it (the odor is like rotten eggs), you and your family members should evacuate immediately and call the fire department once you are outside. You can avoid natural gas leaks by having your furnace and gas pipes inspected annually.
  • Check your outlets: Home fires can be caused by malfunctioning electrical outlets. You can check your outlets by feeling the plates for heat, looking for smoke and checking for frayed wires by removing the cover. If any of the outlets in your home are loose or no longer hold a plug tightly, it’s a good idea to replace it.