Protect Your Colorado Home from Fire
And Make Sure Your Insurance Keeps Up
Nestled in the heart of the Rocky Mountains, our homes are surrounded by natural beauty, though face unique risks—especially when it comes to wildfires. With our dry climate, frequent winds, and proximity to wildfire-prone areas, it’s more important than ever to take proactive steps to protect your home and family from fire hazards.
These fire safety tips are tailored to Western Colorado homeowners. Use this moment to also review your insurance coverage so you’re prepared, inside and out.
Fire Safety Essentials for Your Home
Install and Maintain Smoke Alarms
Smoke detectors should be on every level, in bedrooms, and outside sleeping areas. Test monthly, replace batteries yearly, and swap the unit every 10 years.
Pro tip: Interconnected alarms sound together, giving you more time to escape.
Create and Practice a Fire Escape Plan
Be Cautious in the Kitchen
Keep Heating Sources Safe
Store Flammable Materials Safely
Check Your Electrical System
Invest in Fire Extinguishers
Be Mindful of Outdoor Fire Risks
Fire Mitigation to Keep You Safe from Wildfires
Wildfire risk is a reality in Colorado—but mitigation works. Focus on your property and preparation.
Wildfire Prevention Tips
- Create Defensible Space: Clear brush and dead vegetation within 30 feet. Trim trees, mow grass, and store firewood away from the home.
- Use Fire-Resistant Materials: Upgrade to ember-resistant vents, non-combustible siding, and Class A roofing.
- Keep Gutters Clean: Remove leaves and pine needles; install metal mesh guards.
- Plan for Evacuation: Prep a go-bag and know two evacuation routes. Sign up for local alerts.
Local Programs That Can Help
- Firewise USA®: Community-based wildfire risk reduction. Many CO neighborhoods already qualify. firewise.org
- Colorado State Forest Service: Offers mitigation advice, site visits, and sometimes cost-share grants. csfs.colostate.edu
- Local Fire Districts: Free chipping days, evacuation plans, and risk assessments available through Glenwood Springs Fire, Carbondale Fire, and Roaring Fork Fire Rescue.
Pro tip: Some insurance carriers require wildfire mitigation to maintain coverage. Even when it’s not required, it may lower your premium or prevent a denial.
Why Reviewing Your Homeowners Insurance Policy Matters
Even with smart prevention, fire can still happen. Make sure your policy covers the real cost of recovery.
Key Coverage to Review:
- Dwelling Coverage: Will it fully rebuild your home at today’s construction costs?
- Personal Property Coverage: Are your belongings protected?
- Additional Living Expenses (ALE): Will it cover temporary housing if you need to relocate?
Construction Costs Are Rising
Colorado labor and materials costs are up. If your policy hasn’t been updated, your coverage may fall short.
Local Building Codes Matter
Glenwood Springs homes often need fire-resistant materials or mountain-specific construction. Make sure your policy accounts for that.
Avoid Underinsurance
Don’t assume your policy adjusts automatically. Review it regularly to keep pace with inflation and market changes.
Take Action Today
Your home is one of your biggest investments. Let’s make sure it’s protected from fire—inside and out.
- Review Your Policy: Take 5 minutes today to check your fire coverage.
- Contact Us: Questions? Need help reviewing your policy? Click here
- Get a Quote:Not insured with us yet? Get a free quote today.
Stay safe, stay ready, and let Glenwood Insurance help you protect what matters most.