'Spacing Here Was A Problem': Close Homes Helped Marshall Firestorm Spread - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Property and Casualty News
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
Newswires
Property and Casualty News RSS Get our newsletter
Order Prints
January 18, 2022 Property and Casualty News
Share
Share
Post
Email

‘Spacing Here Was A Problem’: Close Homes Helped Marshall Firestorm Spread

Fort Morgan Times (CO)
SUPERIOR – Too many houses built too close together on the tinder-dry high plains between Denver and Boulder led to the record Marshall firestorm losses topping $1 billion, insurance industry researchers found this week as they sifted through ashes and charred ruins.

They were beginning an investigation, similar to work done after previous ruinous fires, including the 2012 Waldo Canyon fire west of Colorado Springs and the 2018 fire that destroyed nearly 19,000 structures in Paradise, California. Their industry Insurance Institute for Building and Home Safety is developing a science of how fires burn through communities and what can survive as climate warming intensifies.

"Spacing here was a problem, " research engineer Faraz Hedayati said as he probed gaps less than 10 feet wide between former houses where radiant heat helped flames spread.

Another problem was proximity to native vegetation — grasslands where record high temperatures and drought had created conditions where, with human ignition and high winds, the firestorm spread rapidly from Marshall into suburban-built Superior and Louisville, research engineer Dan Gorham said.

"This is an ecosystem evolved to have fire. We need to learn to live with that," Gorham said, pointing to the grasslands between Superior and Boulder. "We need to build with an understanding that this is an ecosystem that needs fire."

Devastated homeowners stood in ash and ruins, masked to reduce their inhalation of toxic metallic fumes from burned appliances, as the industry team roved through this Sagamore development where construction took off in the 1990s. They shared accounts of what happened on Dec. 30 and embraced the idea of boosting resilience for the future.

"I definitely want to build back better. I want to know the right way," said Jonathan Vigh, 44, an atmospheric scientist who fled with wife and two children as reddish-hued smoke from the immediately adjacent grasslands billowed toward their house. A few asphalt shingles from their roof endured, and a pear tree planted in 2015 survived, but a cedar fence apparently functioned as a wick and the destruction was total.

A neighboring house sat less than 10 feet away. And Vigh was conducting an investigation of his own, wearing a respirator and plastic white overalls, searching for a computer hard drive that contained family photos. He found it in basement foundations, hunched over it, only to see it had burned too much and that those images were lost.

He's now wondering whether the owner of that adjacent house might be willing to sell so that greater spacing would be possible for his family in the future. "If he chooses not to rebuild, I would think about buying his property," Vigh said.

A renewed Colorado push for "hardening," now in suburbs as well as mountain forest developments, is gaining traction in the aftermath of this most-costly climate-induced inferno in state history. The Marshall firestorm destroyed 1,084 structures and damaged at least 149 more, including a Super Target store where wind-whipped embers found organic material on the roof.

"This could be a model re-build for us to get to a fire-safe community," said Carole Walker, director of the Rocky Mountain Insurance Information Association and a member of the Colorado Fire Commission tasked by Gov. Jared Polis with addressing wildfire risks.

"We will be starting from scratch."

The question is what hardening would entail. A fire safety push for lower-density housing would collide with a push by some planners and developers toward higher-density "mixed-use" communities. Population growth in Colorado and other parts of the arid West has led some planners to encourage housing "units" clustered tightly like integrated circuits and surrounded by native vegetation that requires less water than lawns and parks.

Closer spacing and vegetation management for fire protection could clash with water conservation and other long-term objectives, said Molly Mowery, director of the Community Wildfire Planning Center, a nonprofit that guides town officials.

Looking at limits on growth opens "a huge can of worms," Mowery said, anticipating that boosting fire resilience will require balancing climate warming preparedness measures. "There's not going to be a solution that satisfies everything."

The insurance industry researchers determined that the Marshall firestorm, as it spread from grasslands into houses, accelerated because flames found abundant fuel and radiant heat ignited closely-packed structures, adding to the ignitions from wind-whipped embers.

"Conflagration happens when you get that proximity," Roy Wright, chief executive of the insurance institute, said Thursday as his team began their investigation.

Spacing closer than 12 feet favors fire, researchers have established, and gaps between homes of 50 feet or more are advisable, Wright said. "Dispersion is one way to eliminate the domino effect" and with greater spacing "you would not have had so many structures lost."

Re-making Colorado suburbs to endure worsening fires also will require clearing buffers at least five feet wide and "impeccably" bare, Wright said, along with screens on vents and retro-fitting with non-flammable roofing, siding and vegetation. Well-watered green lawns are less likely to burn than native grasses, he said.

And the mulch that residents increasingly use to help plants endure as temperatures rise "is like spreading match sticks around your home."

Insurance industry officials also recommended a rethinking of the "Wildland Urban Interface" concept that Colorado officials have used in mapping urban development as it increases in forests to prioritize fire protection.

"We've got to start imagining what we see here as probable …..," Wright said. "We have too narrow a view of where the wildlife risk is."

Colorado public safety officials have focused in recent years on ramping up state capabilities to rapidly suppress wildfires in forests. But now as the climate warms they face increased winter grassfires. And the aggressive forest fire suppression has led to overly dense forests primed to burn. Some members of the state fire commission are talking more about land use and improved defenses for enduring worse fires, which they see as inevitable as temperatures warm over at least the next 20 years.

Colorado and much of the West is locked in a cycle "of escalating catastrophes," Walker said.

Insurers across the state increasingly will require vegetation-free buffers around homes, asphalt-shingle or metal roofs, screened-off vents and other defenses, Walker said.

"The science tells us that with most wildfires there's a lot you can do to put the odds in your favor," she said. "With the escalating fires, it will become an issue of insurance availability and affordability. …. Insurance is going to require you to make your home safer. You will likely pay a higher rate if your risk is higher."

Older

California Constitutional Amendment Seeks 18% Top Tax Rate For Universal Medicare

Newer

How New York Could Cover Its 1 Million Uninsured Residents

Advisor News

  • Help child-free clients plan for their later years
  • When new investment trends emerge, Gen Z is most likely generation to be first in
  • Could ‘plain English’ become an advisor’s secret weapon?
  • IRI urges Senate action on 403(b) parity legislation
  • Three estate planning ideas to protect your clients and their wealth
More Advisor News

Annuity News

  • Nationwide adds mutual fund-linked strategy to New Heights Select FIA
  • NUNN INTRODUCES BILL TO CUT RED TAPE, GIVE IOWANS CLEARER INSURANCE INFORMATION
  • NAIC working group pressed to accelerate annuity illustration overhaul
  • State Auditor James Brown Kicks Off Life Insurance Awareness Month With Policy Locator Tool
  • Wink: Annuity sales post strong Q2, led by MYGAs and structured products
More Annuity News

Health/Employee Benefits News

  • Opinion: The Colorado Option is failing to meet the needs of small businesses for healthcare coverage
  • New Managed Care Study Results from Brown University School of Public Health Described (Roles and Priorities Guiding Medicare Advantage Postacute Home Health Referrals): Managed Care
  • Reports Summarize Managed Care Findings from University of Arkansas for Medical Sciences (Potentially Inappropriate Medication Use Following Hospital Discharge Among Medicare Beneficiaries): Managed Care
  • New Cancer Findings from Anuraag R. Kansal and Colleagues Discussed (State Medicaid Budgetary Implications of New Cancers): Cancer
  • 'Not sustainable': Some U.S. small businesses forced to drop health-insurance coverage amid skyrocketing costs
Sponsor
More Health/Employee Benefits News

Life Insurance News

  • TDCI reminds consumers to focus on future during Life Insurance Awareness Month
  • TDCI reminds consumers to focus on the future during Life Insurance Awareness Month
  • AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries
  • Best’s Market Segment Report: AM Best Maintains Stable Outlook on China’s Non-Life Insurance Segment
  • Understanding Nonequity Split-Dollar
Sponsor
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

  • Classic Car Insurer OpenRoad Insurance Expands to 40 U.S. States in Two Years
  • How Aspire General Turned an Early Technology Bet Into Claims Automation at Scale with Kyber
  • Adjusto launches AI-Native contents claims services powered by its technology platform
  • URL Insurance Group Celebrates 40 Years of Service, Growth, and Industry Leadership
  • MassMutual Ascend Surpasses $2 Billion in Lifetime Advisory Annuity Sales, Reflecting Continued Momentum in RIA Channel
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.