2025 Wildfire Season Forecast: Is Your Home Insurance Ready 

As wildfire seasons grow longer and more intense across the western United States, homeowners face increasing risks—not just to their property but to their financial security. The 2025 wildfire season is expected to be particularly severe due to a combination of dry conditions, high winds and abundant vegetation growth from previous wet years.

Insurance Tips for Homeowners in Wildfire Season

In this evolving climate, having the right home insurance coverage is more critical than ever. Yet many homeowners are underinsured or unaware of the limitations of their current policies. Standard homeowners insurance may not fully cover wildfire-related losses, especially in high-risk areas where rebuilding costs can soar.

Now is the time to review your policy. Key questions to ask include the following:

• Does your policy cover full replacement costs? Many policies only cover actual cash value, which may not be enough to rebuild.

• Are additional living expenses included? If you’re displaced, you may want coverage for temporary housing and daily expenses.

• Is your coverage limit up to date? Rising construction costs mean your policy from a few years ago may be insufficient.

• Do you have coverage through a state-backed plan like California’s FAIR Plan? These plans offer basic protection but may require supplemental policies for full coverage.

Insurers are also becoming more selective, with some reducing coverage or exiting high-risk markets altogether. This makes it even more critical to shop around, understand your options and act early—before fire season peaks.

Learn More

Wildfires are unpredictable, but your insurance coverage doesn’t have to be. A proactive review today can make all the difference tomorrow. To review your homeowners insurance policy, contact SaveGuard Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.