Colorado hit by increasingly dire wildfire-driven insurance exit

Insurance isn’t the sexiest topic to either write or read about, but an extreme weather-driven downtrend of insurance agency availability is tightening the noose on an already suffocating national housing market.

The U.S. had its highest number — 28 — of annual billion-dollar weather disasters in 2023,  including the Lahaina wildfire, California flooding, and Tropical Cyclone Idalia in Florida, according to a NOAA report. Homeowner insurance agencies’ response to the continually rising costs has either been to drastically increase their insurance rates or to back out from certain areas entirely.

The dire situation first made national headlines last year when numerous agencies, including State Farm, Allstate and Farmers, either paused or placed heavy restrictions on policyholders in wildfire-prone areas in California. Seven of the state’s top 12 insurance agencies have put the restrictions into effect as of November, ABC News reported.

Colorado appears to be the next state to face extremely tight, or nonexistent, homeowner insurance policies caused by increasing wildfire threats. The Durango Herald recently reported the average homeowner insurance premium in the state increased 51.7 percent between January 2019 and October 2022. Meanwhile, some new homeowners in the state are having trouble getting policies at all.

“A State Farm insurance agent in Durango wrote a couple a quote for homeowners insurance. But six days before closing, the State Farm office called to inform the Bowmans that it could not write them a policy,” said the Herald’s story on a couple who recently moved to Durango. “Geico, Travelers, other State Farm agents – all of them turned him down.”

Local insurance businesses in Durango reportedly have “plummeted” by 20 to 30 percent since insurers changed their policies sometime last September. Agents in Colorado expect the insurance issues to keep piling up in the years to come. A Climate Change in Colorado Assessment report for 2024 found climate change and increased atmospheric warming will lessen streamflows and make the state drier, leading to more and worse wildfires.

“Studies have uniformly indicated substantially worsened wildfire risk for Colorado by the mid-21st century compared with the late 20th-century, as additional warming further increases fuel dryness and enhances fire ignition and spread,” the report from the Colorado Climate Center said.

Climate change info -- by Colorado State University
Climate change info — by Colorado State University

Fuel, fire and smoke: Evolving to meet our climate challenge

IAWF conferenceWildfires have become an increasing challenge to humanity, the ecosystem, and the atmosphere we depend on. Responding to larger and more destructive wildfires and protecting against their climate impacts is challenging; understanding fire behavior and our responses is critical.

The 7th International Fire Behaviour and Fuels Conference is a forum in which fire management experience is documented, current work is showcased, and emerging research is shared as we together develop solutions to these challenges.

This conference on three continents brings together countries in three areas of the world to develop fire policies at national, regional– to learn from others how they address fire risks and build resilience. The conference unites policymakers, scientists, managers, and indigenous land stewards for a shared purpose in  living with fire.


The 7th International Fire Behaviour and Fuels Conference hosts events on three continents, highlighting a range of experience from different countries to develop fire management policies in facing risk and building resilience.

The conference will bring together policymakers, scientists, fire managers, and Indigenous land stewards, and more for a shared purpose of creating a future where we can live with fire. Join us for an authentic conversation on managing fires and creating a sustainable future.

Presenters and speakers this year include Dr. Lori Moore-Merrell, Dr. Dean Yibarbuk, Dr. Lachlan McCaw, Prof. Nerilie Abram, Prof. Sarah Legge, Dr. Dan Pronk, Katie Lighthall, Dr. Mark Finney, Dr. Mark Parrington, Dr. Joseph Wilkins, Edward Alexander,and Dr. Conceicao Colaco. All conference registrants at any of the three locations will receive access to recordings of each presentation.

Workshops: Our interactive workshops are educational and feature a range of topics to choose from. You can learn new skills and connect with experts in their fields.

Field Tours: Each location has scheduled a collection of field trip opportunities. Field tours provide hands-on learning options  from exploring nature to sharing history and culture. Select your trip when you register.

Exhibitors: Our exhibition hosts a range of displays and demos. You will learn more about the latest products and services in fire science and management. We look forward to seeing you there!

BOISE conferenceTRALEE conferenceCANBERRA conference


The International Association of Wildland Fire (IAWF) is a non-profit, 501(c)(3) professional association committed to a non-partisan approach for uniting the global wildland fire community. We were formed in 1990 as a global professional membership association. For 30 years IAWF has grown from a fledgling organization to a global member-focused association spanning 26+ countries. The IAWF was formed to promote a better understanding of wildland fire and built on the belief that an understanding of this dynamic natural force is vital for natural resource management, protecting the health, safety, and welfare of people including firefighters and the public, and for harmonious interactions between people and their environment. IAWF is dedicated to communicating with the entire wildland fire community and providing a global linkage for people with shared interest in wildland fire and all of the associated topics of this multifaceted community. To accomplish these goals, we convene and create networks across sectors, fields, and disciplines to connect the wildfire community through multiple platforms, through which we communicate — including conferences, our website, the premier academic journal in our field (International Journal of Wildland Fire), a popular-oriented magazine (Wildfire) and via social media outlets.

Oregon IMTs and firefighters out for ice storm recovery

Western Oregon’s recent ice storm cleanup, after one of the worst winter storms in history, is now in the mop-up stage, and firefighters with the Oregon Department of Forestry have teamed up with the City of Springfield to help. For most of a week now, they’ve worked in the Thurston area of Springfield east of Eugene, clearing downed trees and sidewalks. A team of 14 started by clearing students’ paths to area schools.

“We noticed that right after the ice storm, they were using the streets to walk because they weren’t able to access the sidewalk,” ODF forester Kolten Vickers told Albert James with KEZI News in Eugene . “So we started around schools, and now we’re branching off into other parts of neighborhoods.”

Vickers has been with ODF for five years, but this is his first time cleaning up after a winter storm. “Primarily I assist with fires during the summers,” he said. “But with ODF having incident management teams — it’s all incidents. So storm recovery falls under that response.”

Local resident Patty Gori regularly walks the neighborhood with her dogs and was grateful to see the clearing work. “It was a mess,” she said. “But now, it’s amazing. They got so much cleaned up in the last couple of days, I just can’t even believe it.”

Who ya gonna call? Firefighters. Besides clearing streets and chainsaw duty, ODF sent an IMT to coordinate a unified response to the storm.

“You don’t see what’s going on behind the scenes,” said Joe Hessel, from a longtime firefighting family in eastern Oregon.  “You see firefighters digging a fireline or public works crews working on city streets. At some point, somebody’s trying to organize that chaotic potential into something that makes sense. That’s what we’re here helping the city do.” Hessel serves as a deputy incident commander for this post-storm incident, but he’s usually an incident commander with a state team. He said the storm response effort was started and led by Lane County and the City of Springfield, but on January 25 they transferred command over to the city, with the IMT from ODF still assisting.

“In large part, the city staff and departments are doing the work, just like when we were with Lane County,” Hessel said. “We’re helping at the highest level to coordinate and put a plan together to ensure that the right work is getting done at the right place at the right time.”

“We do train for incidents outside of wildfire,” he explained. “The ICS system we use on wildfires carries right across to pretty much any other incident. We’ve been to Florida and helped the State of Florida in hurricane response. We’re prepared in the event that there’s an earthquake or a tsunami here. Last year one of our teams, a short team like we have here, went to a county and helped out with a cyber attack and planning for how to manage and deal with that.”

“ODF is great, they do this type of work for a living in fire management, so they have a lot of experience in incident management,” said Ben Gibson, operations maintenance manager with the City of Springfield. “They’ve been a great resource to our emergency operations center staff in helping us move forward smoothly.”

ODF truck
Oregon Department of Forestry logo on a truck door.

Hessel said both his team and the local crews have learned a lot from each other, and he hopes the information shared between the groups can go a long way in responding to future events. “That transference of skills and knowledge to each other will benefit pretty much either entity,” he said. “And then we’ll actually develop some products we’ll leave behind — some written documents, like a debris removal plan that could be used next time, or a contact list with names on it.”

Eugene and Springfield and the surrounding area endured a record-breaking winter storm with snow and ice and rain and high winds. The storm caused widespread power outages and severely damaged at least 60 percent of the trees at the Mt. Pisgah Arboretum. The storm took out powerlines at the arboretum and necessitated a safety closure, according the a report by Oregon Public Broadcasting. Brad Van Appel, longtime director at Mt. Pisgah, said there was about an inch of ice on the trees and it was more than most of them could take.

“We have 209 acres, much of it full of trees,” he said. “I think nearly every tree took some damage.” For those wanting to help, the arboretum and its sister organization Friends of Buford Park are looking for volunteers, and they can sign up online.

Also of note, ODF is looking for a Wildland Fire Supervisor to manage the fire program down in Klamath Falls. This is a permanent benefited position. $4,918 – $7,244 monthly depending on experience. Recruitment closes January 31. 

Details: WILDLAND FIRE SUPERVISOR APPLICATION

In some parts of Canada, the 2023 fires never ended

Wildfire seasons have been getting longer since the 1970s, according to (among others) the USDA Climate Hubs.

“The wildfire season in Western states has extended from 5 months to over 7 months in length,” the department said. Since the 1980s, the annual number of large fires and area burned has significantly increased  (according to a report by Anthony Westerling, Hugo Hidalgo, Daniel Cayan, and Thomas Swetnam in the journal Science). The average burn time of individual fires has grown from 6 days (between 1973 and 1982) to 52 days (between 2003 and 2012).

The increase in another wildfire phenomenon may spell the end of wildfire seasons altogether and turn wildland firefighting into a year-round effort, more than it already is.

“Zombie fires,” or wildfires that smolder underground during the winter before reemerging in the spring, are becoming more common in Arctic forests, according to a 2021 study published in Scientific American. The most likely cause was attributed to climate change.

“Contrary to the hypothesis that overwinter fires sustain themselves in carbon-rich, organic soil layers known as peat, the researchers learned that most of them had burned in drier, upland sites with dense tree populations; the find suggested fires had instead smoldered underground in woody tree roots,” another Scientific American article on the subject said.

The woody tree roots in British Columbia’s boreal forests are feared to be the next place where a zombie fire could emerge, continuing Canada’s record-breaking wildfire season of last year. As of January 18, the BC Wildfire Service map shows that around 100 active wildfires are still burning in the province, some of which are still smoldering underground and threaten to kick off yet another disastrous wildfire season this year.

BC Wildfire Service map
BC Wildfire Service map — current fires — 01/26/2024

It wouldn’t be the first time zombie fires foretold a bad fire season. At the beginning of 2023, British Columbia recorded 16 “carryover” fires, according to the Canadian newspaper The Globe and Mail, and BC Wildfire Service data shows that in most years since 2014, only five or fewer  carryover fires were reported.

“A lot of people have talked about the 2023 fire season being over, but it’s not over,” said Sonja Leverkus, a BC wildland fire crew leader. “It is not over in northeast British Columbia. Our fires did not stop burning.”

Yet another utility lawsuit over 2020 fires

A group of four law firms in Oregon and California has sued the Eugene Water and Electric Board (EWEB), Lane Electric, and Bonneville Power Administration (BPA) for their roles in the  Holiday Farm Fire east of Eugene, Oregon — part of the Labor Day fire siege of 2020.

September 2020 Oregon fires

In the approximately 200-page lawsuit, attorneys claim the three utility companies neglected to prepare electrical operations and equipment before the fire burned across 173,400 acres and destroyed more than 700 structures. The Holiday Farm Fire burned on the Willamette National Forest, BLM lands, and private property within Oregon Department of Forestry protection units. The lawsuit was filed on behalf of 238 victims who lost homes and property in the fire; the suit asks for $232 million.

As of September 10, 2020, the Holiday Farm Fire — named for a local tourist attraction called the Holiday Farm that included a wedding venue, RV resort, and year-round holiday Christmas gift shop — had burned over 144,600 acres about 14 miles up the McKenzie River from Eugene. Fire behavior and weather conditions were treacherous and kept firefighters from entering many areas, but they did protect some homes by burning out around them.

Jennifer Singh of KEZI in Eugene reported that the case was originally filed with Lane County Circuit Court against Lane Electric and EWEB — for neglecting to safeguard space around their powerlines from unstable trees and other hazards, but new records have revealed evidence that BPA also played a role in the disaster.

The lawsuit should come as no surprise to anyone — except maybe BPA — because local residents and fire officials were discussing the likelihood that the Holiday Farm Fire was ignited by powerlines while it was still in the initial attack phase.

Holiday Farm Fire
Holiday Farm Fire — Oregon Daily Emerald photo

“It wasn’t until the end of last year that we discovered new evidence that pointed to Bonneville Power Administration sparking a second fire,” said Alex Robertson, one of the four attorneys for the plaintiffs. He said that second fire merged with the Holiday Farm Fire. BPA provided power to EWEB and Lane Electric, and failed to power down its lines in a public safety shutoff. On Labor Day a danger tree fell onto a BPA line on Highway 126 and ignited another fire about 4 miles away.

This is the evidence that caused the law firms to bring BPA on as a co-defendant for the suit filed as a federal case — BPA is a federal agency, so unlike previous cases in county circuit court, this suit will be heard in federal court. The earlier case filed against Lane Electric and EWEB was dismissed to combine with the suit against the BPA.

[MORE DETAILS HERE]

Robertson said that on the same day the new lawsuit was filed, January 16, another suit was filed by 60 insurance companies seeking reimbursement of claims already paid to homeowners.

The Forest Service and Inciweb have wiped most of the records of the fire from their websites, but a BAER summary [PDF] of the Holiday Farm Fire is still available online.