10 boomtowns that place homeowners at most risk for wildfires

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Some of the fastest growing areas in the western U.S. place homeowners squarely in the path of future wildfires, according to a new study. The analysis by ClimateCheck.com sees high hazards in pockets of the West, including the region stretching from Sacramento, California, to Lake Tahoe and several booming counties in Utah.

More people are moving to fire country, driven by prohibitively expensive home prices and strict zoning in such places as Northern California and Seattle. Priced-out residents look for more affordable housing, sometimes in areas at risk of wildfires.

Skylar Olsen, economic adviser to ClimateCheck, calls the trend “running into the fire.”

“More growth in these areas won’t stop wildfires,” Olsen says. “Building into the wildland-urban interface will put more homes and people at risk.”

The calamitous wildfires of 2020 claimed 8.6 million acres, devastated parts of the West and blanketed much of the U.S. with smoke. Climate scientists say warming weather could lead to dryer conditions and more frequent fires in fire-prone areas.

The 10 areas most at risk for wildfires

ClimateCheck.com rates U.S. counties for wildfire risk, with a score of 100 representing the highest potential for devastating blazes. The company’s risk models analyze data from federal agencies including the National Oceanic and Atmospheric Administration, the U.S. Geological Survey, the National Hurricane Center, the U.S. Forest Service and the Federal Emergency Management Agency.

ClimateCheck calculates property-level fire risk based on projections for the average proportion of the area surrounding a home that will burn each year. These 10 areas with growing populations pose the most risk for property owners, according to the analysis:

  1. Placer County, California: Risk score: 98. This area stretches from northwest of Sacramento all the way to the Nevada border. The county experienced population growth of 6.8 percent from 2013 to 2018.
  2. Chelan County, Washington: Risk score: 98. Inland from Seattle, this county experienced population growth of 3.7 percent over the past five years.
  3. Franklin County Idaho: Risk score: 97. This county on the Utah border saw population growth of 3.7 percent
  4. Weber County, Utah: Risk score: 97. Home to Ogden, this county saw its population expand by 5.9 percent.
  5. Morgan County, Utah: Risk score: 95. This small but booming area near Salt Lake City experienced population growth of 17.5 percent in a half-decade.
  6. Ventura County, California: Risk score: 94. This coastal county north of Los Angeles experienced a growth rate of just 2.3 percent, the lowest among ClimateCheck’s top 10.
  7. Summit County, Utah: Risk score: 93. This area east of Salt Lake City saw its populace grow by 8.8 percent.
  8. Klickitat County, Washington: Risk score: 92. This county along the Oregon border saw population growth of 4.2 percent.
  9. Madera County, California: Risk score: 89. Population in this Central Valley county rose by 2.4 percent.
  10. Minidoka County, Idaho: Risk score: 89. Located between Boise and Pocatello, this area saw population growth of 2.5 percent.

Regions just outside the top 10 included Washington’s Spokane County and Utah’s Salt Lake County, both with risk scores of 88.

Olsen notes that the fire hazard isn’t the same for every address in these counties. The risk can vary by neighborhood and city.

Extreme weather takes a rising toll

There’s no denying that extreme weather has grown costlier. All five of the most devastating wildfires on record have occurred since October 2017, according to the Insurance Information Institute. The worst was the Camp Fire in November 2018, which destroyed 14,000 homes and killed 85 people in Northern California. That catastrophe caused insured losses of more than $10 billion.

Rank Year Event Add
1. 2018 Camp Fire $8.5 billion -$10.5 billion
2. 2017 Tubbs Fire $7.5 billion-$9.7 billion
3. 2018 Woolsey Fire $3 billion-$5 billion
3. 2017 Atlas Fire $2.5 billion-$4.5 billion
3. 2017 Thomas Fire $1.5 billion-$3.5 billion

Source: Insurance Information Institute

On the other side of the U.S., the 2020 Atlantic hurricane season set a record when it produced the most named tropical storms in a year. In hurricane-prone areas, insurance premiums have been soaring for decades. Wildfire losses have yet to drive up insurance costs, but that remains a possibility.

“If you can’t get insured, that’s going to start affecting home values,” Olsen says.

Homeowners and extreme weather: 4 steps to take

Worried about extreme weather damaging your home? Here are four steps you can take:

1. Check hazard risk

In many states, sellers need not disclose whether the home has ever flooded or if flood insurance is required. However, if the house is located in a flood zone and you have a mortgage, your lender will insist that you buy a flood policy. Depending on the level of flood risk, premiums range from a few hundred dollars to thousands of dollars. Flood insurance is crucial — privately issued property-insurance policies don’t cover this peril.

ClimateCheck.com lets you type in your address and get an assessment of weather-related risks.

2. Research insurance costs

Florida’s Citizens Property Insurance, the state-run pool that sells windstorm insurance to coastal homeowners, says its average premium for hurricane coverage was nearly $2,900 as of 2019. That’s just for wind coverage — it doesn’t include flood risk, of course, or fire, theft and other perils covered by basic homeowners policies.

Louisiana, hit by two storms during the record-breaking 2020 season, also has steep rises in insurance costs.

3. Make sure you carry enough insurance

Home prices and construction costs have risen sharply in recent years. If your home is “underinsured” — covered for less than its replacement value — you can be on the hook for tens of thousands or even hundreds of thousands of dollars to rebuild.

4. Harden your home

In fire country, homeowners have started to take steps such as clearing their yards of brush and debris and using fire-resistant paints, roofs and building materials. In Hurricane Alley, states have imposed strict rules on new construction, and many owners of older homes have installed shutters, impact-resistant windows and roof bracing. Hardened homes are better suited to withstand extreme weather.

Learn more:

Written by
Jeff Ostrowski
Senior mortgage reporter
Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he wrote about real estate and the economy for the Palm Beach Post and the South Florida Business Journal.
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