Why did my homeowners insurance get non-renewed for wildfire?

Because your carrier re-scored the wildfire risk on your property, and the new score came back too high for them to keep the policy. It has nothing to do with your claims history, your payment record, or anything you did. And it is not permanent.

Carriers across Colorado have been running new wildfire models on the homes they insure. Those models weigh things like vegetation near the structure, slope, distance from a fire station, and how a truck would reach you. A house that scored fine for twenty years can come back with a different number this year without a single branch growing. When that happens, the letter goes out, usually with no phone call and not much explanation. It feels personal. It is a spreadsheet.

Here is the useful part: the score can move, and you are the one who can move it. Most of what the models care about sits in the first five feet around your house, and most of the fixes are cheap or free. Clearing the zone against your walls, screening your vents, cleaning your gutters, and opening up defensible space all change how your property scores. Take photos and keep receipts while you work, because documented mitigation is what an underwriter can actually act on.

We wrote out the specific steps on our wildfire and fire mitigation page. Start by reading the letter carefully, because it often names the reason. Then start on the five feet closest to your siding.