Wildfire Risk, Mitigation, and Future Insurability 

Presenters: Ariel Jenkins, CPCU, AIDA, CSP, MBA, ARM-E, ARM-P, and Kitt Doucette

April 9, at 2 p.m. ET

Wildfire risk has evolved into a shared, systemic challenge, one shaped by the actions of homeowners, utilities, private property owners, and public entities, yet often unevenly distributed in its financial consequences. When those contributing to exposure are not bearing the cost, mitigation efforts stall and market pressures build. 

In this session, explore how escalating losses are driving insurers to tighten underwriting, raise premiums, and reduce capacity, and why this represents a fundamental market disruption, not a temporary cycle that will self-correct. Then connect those dynamics to practical risk control strategies, from vegetation management and defensible space to infrastructure hardening and early detection technology, and examine how mitigation efforts are reflected in underwriting and pricing decisions. 

Leave with a clearer framework for evaluating insurability considerations, understanding how misaligned incentives are accelerating market disruption, and applying risk control strategies that better align risk creation with risk-bearing, supporting more stable coverage outcomes and more resilient communities. 

Key Takeaways:

• Understand how wildfire risk is shaped by every player in the ecosystem — and why that changes how you approach it. 
• Identify where misaligned incentives are driving the problem and what that means for mitigation efforts. 
• Navigate a tightening insurance market with a clearer picture of what's driving carrier decisions. 
• Apply targeted risk control strategies that can reduce losses and support long-term coverage stability.