From wildfire to conflagration: What sets the LA blazes apart? - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Top Stories
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Property and Casualty News
Top Stories RSS Get our newsletter
Order Prints
January 20, 2025 Top Stories
Share
Share
Post
Email

From wildfire to conflagration: What sets the LA blazes apart?

Image of the LA wildfires. From-wildfire-to-conflagration--What-sets-the-LA-blazes-apart.
By Susan Rupe

Wildfires destroy thousands of acres in the U.S. every year. But what made the California wildfires so intense and destructive, burning nearly 50,000 acres and destroying more than 12,000 homes? A panel of CoreLogic experts looked at the factors that moved the Los Angeles event from a wildfire to a conflagration.

The combination of dry conditions, heat and extreme winds led to an extreme event, said Tom Jeffrey, geospatial scientist at CoreLogic. Those factors included:

  • Dry conditions. Los Angeles is experiencing a drought, along with low relative humidity and hot air temperatures. The drought conditions dried out vegetation, turning it into fuel for wildfire.
  • Hot, dry Santa Ana winds that typically strike Los Angeles between October and April had sustained speeds of 30-50 mph and gusts of up to 100 mph, the strongest measured in the past 10 years. “These are extreme factors. They are not the normal factors we associate with wildfire activity,” Jeffrey said.

Los Angeles received 0.16 inches of rain over the past eight months, he said. “Southern California tends to get a lot of precipitation during this time of the year. Remove the precipitation and now all you have are wind and dry fuels.”

In addition, Southern California had record rainfall about two years ago, spurring the growth of vegetation such as grasses and light brush. With dry conditions now prevailing, that new vegetation has dried out and become what Jeffrey called “flash fuels.”

The National Weather Service defines “extremely critical” fire weather as having

  • Sustained winds of 30 mph or more.
  • Relative humidity of less than 10%.
  • Drought conditions.
  • Temperatures above 70 degrees.

“In the U.S., we’ve never met all four of those factors before,” Jeffrey said.

A wildfire begins when vegetation catches fire, he said. Dry fuels and strong winds create a fast-moving fire. Homes scattered among the vegetation were the first to ignite. Homes along the edge of dense urban development that bordered the vegetation were next. From there, the fire transitioned from a wildfire to a conflagration. At that point, the structures became the primary fuel  that fed the fire. Wind-borne embers moved the fire away from its original point and simultaneous structure fires increased the intensity.

The number and location of simultaneous fires, along with the extreme wind speeds, made it difficult for crews to stay ahead of the fire.

Loss potential

About 90% of the homes affected by the Palisades and Eaton fires were destroyed, said Tom Larson, CoreLogic senior director of insurance solutions. More than 19,000 homes were affected, more than 13,000 were likely damaged and more than 12,500 sustained significant damage. The insured loss from those two fires is estimated at between $35 billion and $45 billion.

Factors that are driving up those estimated insured losses, he said, include the age of the houses (between one-third and one-half of the homes affected were built before 1960) and the larger than average size of the homes.

Larson noted that homes that survived the wildfires are at risk of mudslides over the next one to two years because of ground instability and lack of vegetation holding soil back.

From wildfire to conflagration

Wildfires are a naturally occurring phenomenon and they aren’t going away, said Jamie Knippen, senior product manager with CoreLogic. But four factors turned the Los Angeles wildfires into a conflagration, she said. Those factors are:

  • Building density.
  • Structure characteristics.
  • Large flying embers.
  • Weather and climate characteristics.

 

© Entire contents copyright 2025 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.

 

 

 

Susan Rupe

Susan Rupe is editor in chief, magazine, for InsuranceNewsNet. She formerly served as communications director for an insurance agents' association and was an award-winning newspaper reporter and editor. Contact her at [email protected].

Older

How to get people to share personal information

Newer

Mercury Insurance has paid out $80M to wildfire victims, has ‘sufficient liquidity’

Advisor News

  • Embracing a family-centric approach to financial planning
  • Family communication: Financial planning’s growing blind spot
  • Americans aren’t turning retirement plans into action, LIMRA finds
  • Ashley Hinson ‘death tax’ story collides with truth
  • How advisors can prepare clients for an uncertain retirement landscape
More Advisor News

Annuity News

  • Cayman Islands premier to meet with U.S. reinsurance regulators
  • Investigation finds deceptive sales, churning of annuities targeting postal workers
  • Corebridge annuity sales slip ahead of Equitable marriage
  • California teachers settle class-action lawsuit over in-plan annuity fees
  • Jackson Financial CEO caps 40-year career with blockbuster Q2
More Annuity News

Health/Employee Benefits News

  • Arizona, others sue feds over rule experts say cuts health care costs
  • New York Life Awards 20 Golden Futures Scholarships, Expanding Student Support Through Financial Education and Career Development
  • Hinson unveils transparency bill amid scrutiny
  • Genworth leans on mortgage unit, CareScout to offset Q2 LTC liabilities
  • GeneDx Launches New Online Offering for Families to Improve Accessibility of Exome Testing for Children with Global Developmental Delay, Intellectual Disability and Epilepsy
More Health/Employee Benefits News

Life Insurance News

  • New York Life Awards 20 Golden Futures Scholarships, Expanding Student Support Through Financial Education and Career Development
  • Built to Last: Winston-Salem—a quiet industrial powerhouse
  • The silver economy ushers in a new era of life insurance growth
  • Family communication: Financial planning’s growing blind spot
  • Indiana eyes more oversight of insurance companies' exposure to private credit
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Press Releases

  • MassMutual Ascend Surpasses $2 Billion in Lifetime Advisory Annuity Sales, Reflecting Continued Momentum in RIA Channel
  • Royal Neighbors Unveils Its 2026 Scholarship Recipients 2026 Royal Neighbors Scholars Making a Difference Across the Country
  • Ibexis Announces Expanded Bank Relationships and New Index Options for FIA Plus® and WealthDefender® Series
  • Agent Review Launches Video AI Identity Verification to Help Protect Insurance Professionals, Consumers and Public Trust
  • Prosperity Life GroupSM Launches Prosperity PathWaySM Series, Bringing Greater Choice and Flexibility to Retirement Income Planning
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet