{"id":7820,"date":"2024-01-03T12:56:28","date_gmt":"2024-01-03T18:56:28","guid":{"rendered":"https:\/\/www.bbrown.com\/insight\/wildfire-impacts-on-oregon-homeowners-insurance\/"},"modified":"2024-01-03T12:56:28","modified_gmt":"2024-01-03T18:56:28","slug":"wildfire-impacts-on-oregon-homeowners-insurance","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/ca\/insight\/wildfire-impacts-on-oregon-homeowners-insurance\/","title":{"rendered":"Wildfire Impacts on Oregon Homeowners\u2019 Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/01\/WildfireOregonHomeowners_WebsiteHeader.jpg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Personal Insurance<\/p>\n    <h1 class='text-white    '>\n      Wildfire Impacts on Oregon Homeowners\u2019 Insurance\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-brand-dark-blue    h2'>\n      Wildfire Impacts on Oregon Homeowners\u2019 Insurance\n    <\/h1>\n\t\n  <\/div>[vc_column_text]The state of Oregon offers residents the ability to live among breathtaking landscapes and natural beauty. However, the increasing threat of wildfires has led to complex challenges for homeowners\u2019 insurance. Oregon\u2019s majestic forests also make it vulnerable to wildfires. The changing climate, prolonged droughts and warmer temperatures contribute to an alarming increase in the frequency and severity of wildfires. As a result, insurance companies are grappling with the need to reassess their wildfire risk models.<\/p>\n<p>Many insurance companies have adjusted underwriting guidelines and risk assessments to address the growing wildfire risk. Properties are evaluated thoroughly, and considerations are made based on factors like the proximity to fire-prone areas, defensible space measures and property-specific wildfire mitigation efforts.<\/p>\n<p>One of the most significant changes in homeowner insurance due to wildfire risks is the introduction of high wildfire scoring. Insurers employ sophisticated scoring models that evaluate a property\u2019s vulnerability to wildfires. Properties deemed to be at higher risk are finding it increasingly difficult to secure coverage at affordable rates. Some homeowners are having trouble finding coverage at all.<\/p>\n<p>Oregon\u2019s rural and forested areas are regions facing the brunt of the impact. Homes in or near heavily wooded areas with limited access to emergency services are more likely to receive high wildfire scores.<\/p>\n<p>This could lead to premium increases or, in some cases, a non-renewal of policies.<\/p>\n<p>Mitigation efforts are key in addressing the challenges posed by wildfire risk. Homeowners can proactively reduce their wildfire risk scores by implementing measures such as clearing brush and dead vegetation, installing fire-resistant roofing, and creating defensible spaces around their properties. Insurers often reward policyholders who invest in mitigation efforts with lower premiums.<\/p>\n<p>While securing homeowners insurance in Oregon has become more challenging due to the elevated wildfire risk, proactive homeownership and mitigation efforts and the guidance of an insurance professional can help you manage your risk. At Brown &amp; Brown, we can help homeowners navigate the changing insurance landscape, providing peace of mind amidst the challenges of high wildfire scoring.[\/vc_column_text]\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/01\/Wildfire-Impacts-on-Oregon-Homeowners-Insurance-Brown-Brown_WEB-1.pdf' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Download PDF<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;6494&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_circle_2&#8243;][vc_separator border_width=&#8221;2&#8243; el_width=&#8221;60&#8243;][vc_column_text]<\/p>\n<h6 style=\"text-align: center;\">Brittany Nelson<\/h6>\n<p style=\"text-align: center;\">Account Executive<\/p>\n<p>[\/vc_column_text]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-dark-blue  '\n\t\t\t\thref='\/us\/contact\/contact-general\/' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Connect Now<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]The state of Oregon offers residents the ability to live among breathtaking landscapes and natural beauty. However, the increasing threat of wildfires has led to complex challenges [&hellip;]<\/p>\n","protected":false},"author":66,"featured_media":7821,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[52],"class_list":["post-7820","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-personal-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Wildfire Impacts on Oregon Homeowners\u2019 Insurance - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/ca\/insight\/wildfire-impacts-on-oregon-homeowners-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wildfire Impacts on Oregon Homeowners\u2019 Insurance\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]The state of Oregon offers residents the ability to live among breathtaking landscapes and natural beauty. However, the increasing threat of wildfires has led to complex challenges [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/ca\/insight\/wildfire-impacts-on-oregon-homeowners-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; Brown\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/\",\"name\":\"Wildfire Impacts on Oregon Homeowners\u2019 Insurance - Brown &amp; Brown\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/WildfireOregonHomeowners_WebsiteHeader.jpg\",\"datePublished\":\"2024-01-03T18:56:28+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/#breadcrumb\"},\"inLanguage\":\"en-ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ca\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/WildfireOregonHomeowners_WebsiteHeader.jpg\",\"contentUrl\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/WildfireOregonHomeowners_WebsiteHeader.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/insight\\\/wildfire-impacts-on-oregon-homeowners-insurance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insights\",\"item\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/news-events\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Wildfire Impacts on Oregon Homeowners\u2019 Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/\",\"name\":\"Brown &amp; Brown\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#organization\",\"name\":\"Brown &amp; Brown\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ca\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/cropped-BBRetail002-RGBrevs.png\",\"contentUrl\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/cropped-BBRetail002-RGBrevs.png\",\"width\":1000,\"height\":136,\"caption\":\"Brown &amp; Brown\"},\"image\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Wildfire Impacts on Oregon Homeowners\u2019 Insurance - Brown &amp; Brown","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bbrown.com\/ca\/insight\/wildfire-impacts-on-oregon-homeowners-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Wildfire Impacts on Oregon Homeowners\u2019 Insurance","og_description":"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]The state of Oregon offers residents the ability to live among breathtaking landscapes and natural beauty. 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