How Wildfires Can Impact Connecticut

Connecticut is not a high wildfire-risk state, but fire weather conditions can still occur, especially during dry and windy periods.

• Dry vegetation can ignite and spread fire quickly
• Wind can carry embers and increase fire spread
• Smoke can impact air quality and health conditions
• Nearby state wildfires can affect regional air quality
• Evacuation orders may be issued in localized fire events
• Property damage may include homes, vegetation, and structures
• Recovery may include smoke damage cleanup and displacement costs

What to Do Before Wildfire Risk Increases

1. Review your homeowners or renters insurance policy and understand fire coverage
2. Create defensible space by clearing brush, leaves, and debris around your home
3. Trim trees and remove branches near roofs and structures
4. Store firewood and flammable materials away from the home
5. Clean gutters and remove dry vegetation from the yard
6. Create or update a home inventory with photos and videos
7. Prepare an evacuation plan for your household and pets
8. Keep emergency supplies ready, including masks for smoke conditions
9. Sign up for emergency alerts and notifications
10. Know multiple evacuation routes from your area

What to Do After Wildfire Conditions or Events

• Follow evacuation orders immediately if issued
• Stay informed through emergency officials and alerts
• Avoid smoke exposure and limit outdoor activity when air quality is poor
• Do not return to affected areas until officials declare it safe
• Document damage with photos and videos if safe to do so
• Contact your insurer or agent as soon as possible
• Keep receipts for temporary housing, food, and cleanup expenses
• Avoid disaster-related scams and unlicensed contractors

Wildfire Preparedness Checklist

• Download the full Wildfire Preparedness Checklist (PDF)

Understanding your coverage

Coverage varies, so please review your policy carefully and speak with your insurer or agent if you have questions.

Important coverage considerations:

• Fire damage is generally covered under standard homeowners and renters insurance policies
• Smoke damage may also be covered depending on the policy
• Additional living expenses may apply if you are displaced
• Coverage limits, exclusions, and deductibles vary by policy

Questions to ask before wildfire risk increases:

1. What does my policy cover for fire and smoke damage?
2. Would temporary housing be covered if I am evacuated?
3. What is my fire-related deductible?
4. Do I have enough coverage to rebuild my home?
5. Have I documented my belongings?

FAQs

Does homeowners insurance cover wildfire damage?

Homeowners insurance generally covers fire damage, including wildfire-related losses, but coverage varies by policy.

Does insurance cover smoke damage?

In many cases, yes, but coverage depends on the policy and extent of damage.

Are wildfires common in Connecticut?

Large wildfires are uncommon, but brush fires and dry-condition fire risk can occur.

What is defensible space?

Defensible space is the area around your home that is cleared of flammable materials to reduce fire risk.

What should I do if I am evacuated?

Follow emergency instructions, prioritize safety, and contact your insurer as soon as it is safe.

Be Prepared Before the Next Fire Season

Preparing in advance can reduce risk and help protect your home and family. Simple steps like maintaining defensible space, staying alert to weather conditions, and understanding your insurance coverage can make a meaningful difference.

The Connecticut Insurance Department is available to help answer insurance questions and assist consumers before and after disasters. Connecticut Insurance Department

• CT Insurance Department Consumer Alert (Wildfire Awareness)
• Ready.gov Wildfires
• Connecticut Alerts
• CT Prepares App
• Connecticut Division of Emergency Management and Homeland Security (DEMHS)
• American Red Cross Heat Safety Information
• 211 Infoline