For the first installment of our series The Insurance Dilemma, we’re exploring the intersection of insurance and wildfire risk. Living With Fire Director Christina Restaino and Outreach Coordinator Megan Kaye sit down with the Deputy Commissioner of the Nevada Division of Insurance to discuss growing concerns about how wildfire risk is affecting insurance affordability and availability in Nevada.

Restaino highlights that rising costs go beyond affordability, saying, “It's becoming an environmental justice issue.” She explains that with the increasing cost of living, housing, and insurance, the question becomes, "How can we afford to live? Home prices are at an all-time high, interest rates are very high, homeowners' insurance is very high, and you start thinking—who can afford to live here?"

Todd Rich shares the Division of Insurance’s foundational mission: “to protect consumers in their dealings with insurance carriers.” He explains that wildfires became a significant challenge for insurance companies in 2017, and “science really hasn’t caught up to what the carriers are doing yet.” Companies are still adjusting models for where and how they write coverage and are not fully accounting for communities’ pre-fire mitigation efforts. Rich adds, “Carriers aren’t really giving credit yet, and they’re not giving credit for communities that have done a really good job.”

• For more information visit the consumer section of the Nevada Division of Insurance website at https://doi.nv.gov/Consumers/
  
  
• Here are consumer insurance tips from Todd Rich:
  • Know Your Agent Options: Understand the difference between independent agents and captive market agents. Independent agents can offer policies from multiple insurance carriers, while captive agents represent only one carrier. Exploring both options can help you find the best coverage for your needs.
    
    
  • Understand Your Policy: Carefully review the specifics of your insurance policy to ensure you’re aware of what is and isn’t covered. Pay special attention to whether smoke damage is included, as this may vary between policies and carriers.

Key topics:

• The danger faced by a significant portion of Nevada's population during disasters due to challenges and limitations
• Disparities in outcomes between individuals with disabilities and those without during disasters
• Necessity to incorporate accessibility from the outset in designing emergency programs and systems
• Collaborative efforts in Nevada to address disparities for individuals with disabilities and access needs post-disasters

In the Episode:
In the latest episode of the Living With Fire Podcast titled "Wildfire & the Whole Community," host Megan Kay and Living With Fire Manager Jamie Roice-Gomes delve into the critical need for inclusivity and accessibility in disaster preparedness. Expert guests Heather Lafferty and Kimberly Palma-Ortega shed light on the challenges faced by individuals with Access and Functional Needs (AFN) during emergencies and the necessary steps to ensure their safety and well-being.

Drawing from real-world examples, Lafferty and Palma-Ortega describe the complex challenges faced by individuals with disabilities and those who have AFN during disasters. They also underscore the substantial disparity in outcomes between those with disabilities and those without. For example, Lafferty explains that 70% of deaf people who are evacuated during a disaster reported living in unsanitary conditions a month after the disaster as opposed to just 7% of individuals who are not deaf.

Lafferty, the Coordinator for Diversity, Equity, and Inclusion, as well as AFN at the Nevada Division of Emergency Management, points out that even though only 28% of Nevadans identify themselves as having a disability, a considerably broader demographic – roughly 67-70% of the state's population – have varying levels of AFN. Lafferty emphasizes that as a result, "a significant portion of Nevada's population is in danger of facing these challenges, limitations, and hurdles during a disaster."

Palma-Ortega serves as a Public Health Liaison at the Nevada Governor’s Council on Developmental Disabilities. She emphasizes that in order to improve outcomes for people with disabilities and access and functional needs, emergency managers must incorporate accessibility from the outset when designing programs and systems, rather than treating accessibility as an afterthought. “Instead of making [accessibility] an add-on, put it as a build-on,” Palma-Ortega explains.

In Nevada, collaborative efforts are addressing disparities in outcomes for those with disabilities and access needs after disasters. Among the initiatives recently launched is the Nevada Access and Functional Needs Disaster Coalition, a comprehensive workgroup encompassing government organizations, NGOs, private industry, and disability community partners. Their efforts focus on inclusive planning alongside the disability community, shifting from designing for them to designing with them.

Resources:

• Emergency Response for People Who Have Access and Functional Needs: A Guide for First Responders
• Health Information Binders
• Living With Fire Evacuation Checklist

With a winter characterized by substantial precipitation and robust vegetation growth in the Great Basin, many are curious about the implications for the upcoming fire year.

On Episode 13 of the Living With Fire Podcast, Christina Restaino, Assistant Professor at the University of Nevada, Reno, engaged in a discussion with Joe Smith, a research scientist at the University of Montana, and Jeremy Maestas from the USDA Natural Resources Conservation Service, about the connection between rain, snow, and fire risk in the Great Basin.

Smith and Maestas are part of a team of researchers who have developed a new tool to predict wildfire probability in the Great Basin. This tool incorporates historical data and current conditions to provide fire probability maps, offering valuable insights for Land Managers in the region.

Maestas highlighted the impact of the increased vegetation growth, explaining, “All this growing vegetation production is going to build up out there and there's no amount of livestock and insects in the world that are going to eat it all. So, it'll build up on the landscape and probably show up next year in the fire probability maps."

Discussing the natural wet and dry cycles that characterize the Great Basin, Maestas and Smith shared their findings. Smith's research, based on 32 years of data, shed light on the implications of these patterns for potential fires. "We should be particularly concerned when transitioning from a wet cycle to a dry one," Smith advised.

What does all this mean for Great Basin residents? Restaino suggested a proactive approach, emphasizing the importance of creating defensible spaces around homes and collaborating with the community. This preparation will help residents stay vigilant in the face of potential fire risks in the coming year.

Resources:

· Great Basin rangeland fire probability tool

· A Homeowner’s Guide to Cheatgrass

· Be Careful! Cheatgrass is extremely flammable!

· Fire Adapted Communities: The Next Step in Wildfire Preparedness