Understanding the Risks and Insurance Implications of Mudslides Post-Wildfires

Mudslides: A Hidden Danger After Wildfires

As wildfires continue to ravage parts of California, Oregon, Colorado, and other regions, the threat of mudslides looms large. Wet weather in Oregon has prompted the Marion County Sheriff’s Office to warn residents of potential mudslides and falling trees, especially in areas like Mill City and Gates, which have been severely impacted by wildfires.

Preparation and Early Warning Systems

In Santa Cruz County, California, preparations are underway for potential mudslides following the CZU Lightning Complex fire. Carolyn Burke, a senior civil engineer, emphasized the importance of early warning and evacuation systems. The fire burned over 86,509 acres, and while it is now 100% contained, the risk of mudslides remains, especially with the rainy season historically starting from September to November.

Insurance Coverage and Practical Advice

For insurance purposes, it's crucial to understand the difference between 'mudslides' and 'mudflow.' Mudslides, which are not covered by any policy, occur when a mass of earth or rock moves downhill. In contrast, mudflow is covered by flood insurance, available from FEMA’s National Flood Insurance Program and various private insurers. According to recent data, the frequency of mudslides has increased by 20% in areas affected by wildfires over the past decade. To protect your property, ensure you have adequate flood insurance and stay informed about local weather conditions and evacuation orders.