Each May, National Wildfire Awareness Month serves as a powerful reminder of the natural risks we face here in New Mexico. With dry conditions, strong winds, and rising temperatures, wildfires can spark quickly—putting homes and entire communities at risk.
If you’re a homeowner in the area, taking steps now to prepare your property and review your insurance can make a world of difference. Here’s what you need to know to stay protected—and how to get an insurance quote Albuquerque NM residents trust.
Wildfires in New Mexico: A Real and Growing Risk
In recent years, New Mexico has seen an increase in both the frequency and intensity of wildfires. While many people think it won’t happen to them, the reality is that even homes within city limits can be affected by drifting embers, smoke damage, and emergency evacuations.
Is Wildfire Damage Covered by Homeowners Insurance?
In most cases, yes—standard homeowners insurance policies cover wildfire damage. This includes:
- Damage to your home and other structures (like garages and sheds)
- Personal belongings inside the home
- Temporary living expenses (like hotel stays) if you’re forced to evacuate
- Smoke damage repairs
However, it’s important to review your dwelling coverage limit to ensure it reflects today’s construction costs. If your policy is outdated or underinsured, rebuilding after a fire could be financially devastating.
Fire Mitigation Can Help You Save
Taking proactive steps to reduce wildfire risk not only protects your property—it may also help you qualify for insurance discounts. Consider:
- Creating defensible space by clearing brush, dead vegetation, and flammable materials at least 30 feet from your home
- Using fire-resistant building materials (such as metal roofing or tempered glass windows)
- Installing spark arrestors, gutter guards, and covered vents
Don’t Forget Personal Property & High-Value Items
If you haven’t updated your home inventory recently, now is a great time. Take photos or videos of your belongings and store them digitally. If you own expensive items (like jewelry, art, or collectibles), ask your agent whether additional coverage is needed.
How to Prepare Before Wildfire Season Heats Up
- Review your insurance policy now—not after a wildfire alert is issued
- Talk to a local agent who understands regional risks
- Ask for a fresh insurance quote Albuquerque NM homeowners can rely on
- Know your evacuation plan and prepare a “go bag” just in case
ABQ Insurance Can Help You Prepare
At ABQ Insurance, we’re proud to serve Albuquerque families with personalized protection that meets your real-world needs. Wildfire season is approaching fast—but with the right policy and preparation, you can protect what matters most.
Contact us today for a homeowners insurance quote Albuquerque NM residents trust. Let’s make sure you’re covered before wildfire season sparks into full force. 505-217-2100
