Insurance companies will typically give discounts if your home has fire inhibitor stuff installed, like sprinklers, etc. Other than that, I blame Democrat governors for a lot of the wildfires that have occurred in Colorado in the last 20+ years - not this one, where the power lines went down. Democrats intentionally mismanage forests and wild lands in the name of “ecology,” not clearing away deadwood and looking the other way when Mexican cartels grow pot on public lands - and pocketing taxpayer dollars instead of using them to maintain and police the forests.
I think that this was mostly a grasslands fire. They have been aggressively managing the forests in the foothills. We were just out there and lots of work has been done since the fires in 2020. But it is extremely dry and even politicians cannot control the wind.
“I blame Democrat governors for a lot of the wildfires that have occurred in Colorado in the last 20+ years - not this one, where the power lines went down. “
Don’t forget the Forest Service.