I fully expect our insurance to double or triple at renewal this summer.
But - it's in the works to get discounts if they inspect and rate your home fire hardened.
My insurance for my home, auto and liability were all cancelled. When Farmers informed me that I must 'harden' my home in order to keep the policy, well, photos tell the story; here's what I did. Removed almost all my landscaping when they asked only 5' from house. Removed all soffit covers and replaced with concrete board. Replaced soffit vents with fireproof vents. Upgrade fire detection systems. Coat all exterior walls with fire retardant spray coating. Etc, etc. etc. They said sorry, based on your zip code, ain't no way, ain't no how we gonna insure you. I did the legwork and found Liberty Mutual to cover me thank God.
Scraped to bare earth and covered with gravel so I didn't track mud everywhere
Removed bark chip play ground and installed concrete pavers
Removed lawn and laid down weed barrier and sand
Ground around house 5' fireproof landscaping.
Landscape firewall on the downslope side of the home. If fire comes from the canyon below, the wall deflects the heat up and over.
Log finish stripped and fire-resistant finish applied. Notice the patio ceiling is all sealed up with 1x4 tongue and groove, not joists and places embers can lodge. Conrete 5' minimum from the walls.
Since then, I added some shop buildings, a concrete driveway/parking area.
Beyond the shop building, I put in a raised veggie garden. Other than the raised beds, nothing on the ground is flammable.
On the topic of why can't we clear the fuel. I'm in a community that has designated open space canyons to the north and south. The canyon to the north has a "Friends of" group that fights the city on removing underbrush. The canyon isn't pristine, there is a road, a sewer line, and rail tracks... but if you want to thin the brush you will get threats of lawsuits. The local fire safe council has been pushing the city to clear brush on the city land when it is within 100 feet of structures - this pressure on the city is working to a point... the city now clears brush every 2 years... but doesn't do all of the areas identified by the biologist hired by the fire safe council.... no budget, nesting bird time restrictions, etc.
This is one local canyon with an organized group to fight clearing brush. There are at least a dozen more in San Diego - these little urban green spaces - which are nice - but need to be managed. The houses on the local canyon rim are not new - most were built in the early 60's. Fortunately, we're on the south canyon and there is a freeway - Caltrans clears the area between the homes and freeway.
This is something I mentioned in an earlier post. The feds have the choice to spend dollars fighting court lawsuits or spend it doing some good somewhere. A few years back within 7 miles of my place, the El Dorado National Forest burned 225,000 acres. To this date, they are not allowed to remove the burned trees other than those that pose hazard to preexisting human activities. Those would be roadways, power right of ways, businesses and homes that were deemed by the fire marshal to be shut down until the trees and other fire hazards were removed.
There are thousands of square miles of it. Have fun with your weed whacker and rake.
There only needs to be a fire break, not the whole forest turned into groomed landscape, but I have a feeling you already knew that. Managing forests is much more scientific than simply whacking and racking.