Muddy Slide and Morgan Creek Fires Currently Active

With smoke currently enveloping the Yampa Valley from the Muddy Slide and Morgan Creek fires, locals are unfortunately getting used to summer wildfire season in the mountains. Last year, three of the largest wildfires in state history cost the state over $200M in fire suppression efforts and over $1B in insured losses. What was once considered an unlikely scenario, wildfires are now a very real risk in Colorado.

Minimizing the Potential Impacts of Wildfire

The recently formed Routt County Wildfire Mitigation Council aims to create resilient, fire-adapted communities to minimize the potential impacts of wildfire. They note that roofs are the most vulnerable part of a home due to the risk of flying embers and falling objects. They recommend that roofs be built with materials such as metal, tile and composition. Vents should be covered with metal mesh and gutters should remain free of debris. Single-pane or large windows can break even before the fire has reached the home. Wood products, which are popular for siding and fences also pose high risk.

Insurance Coverage and Mitigation Services

Many homeowners in high risk areas are choosing to increase their insurance coverage amounts. Local insurance agent Teresa Weinman with American Family Insurance said creating a defensible space around the property offers the greatest protection. American Family partnered with Wildfire Defense Systems to offer free mitigation services to existing clients. She shared their client checklist with Colorado Group Realty: