While most policies cover fire damage, wildfire coverage can vary based on your location and insurer. In recent years, North Carolina has experienced an increase in wildfire activity, making it crucial for homeowners to understand their coverage.
Wildfire Statistics in North Carolina:
2023: 5,101 fires burned 18,748 acres.
2024: 4,588 fires burned 15,706 acres.
2025: As of March 11, 2025, 681 fires have burned 2,480.9 acres.
These statistics highlight the growing wildfire risk in the state. Factors such as drought conditions, rapid population growth, and debris from hurricanes like Helene contribute to this increased risk.
Recent Wildfire Events in North Carolina
In 2025, North Carolina has already seen significant wildfire activity:
Black Cove Fire: Near Asheville, this fire has burned over 3,000 acres and remains uncontained. Experts attribute the intensity to debris from Hurricane Helene, which continues to fuel wildfires in the region.
Great Lakes Fire: In the Croatan National Forest near New Bern, this fire has consumed over 32,000 acres. Investigators believe the fire was man-made, underscoring the importance of fire safety practices.
These events serve as a stark reminder of the importance of understanding your wildfire coverage and taking preventive measures.
What Fire Damage Might Not Be Covered?
While most policies offer broad fire coverage, certain exclusions may apply:
Arson by the homeowner: Intentional fires set by the homeowner are considered insurance fraud and are not covered.
Negligence or lack of maintenance: If poor upkeep (like faulty wiring) is found to have caused the fire, your insurer may deny the claim.
Vacant homes: If your property has been unoccupied for more than 60 days and you don’t have a vacancy endorsement, fire damage may not be covered.
Wildfire exclusions: In high-risk areas, some insurers may exclude wildfire losses unless you have purchased an additional rider or endorsement.
Paradise Point Tip for NC Homeowners:
If your home is located near a state or national forest, such as Pisgah National Forest, it’s essential to review your policy for any wildfire exclusions or limitations. Taking time to review these details now could save you from serious coverage gaps later.
Protect Your Home with the Right Coverage
Every home—and every insurance policy—is unique. Whether you live near the mountains, the coast, or in between, Paradise Point Insurance is here to ensure your home is adequately protected against fire and wildfire risks.
We can help you:
Review your current fire and wildfire protections.
Identify any gaps in your policy.
Recommend coverage that fits your home, location, and budget.
Have questions about your policy or want to explore wildfire protection options? Contact Paradise Point Insurance today. We’re here to help you stay protected—no matter where you call home.
