Report

Navigating the 2026 Wildfire Season: What Agents Need to Know

MiniCo Insurance AgencyJuly 9, 20262 min read

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Market Overview

Wildfire is now the fastest-growing catastrophe peril globally, with insured losses climbing roughly 12% a year, and the exposure has spread well past California. The shift owners should understand is in how carriers price it. Underwriting has moved from zip-code-level to property-level, weighing roofing material, vegetation clearance, vent type, and distance to wildland fuel. Two similar buildings on the same block can land in very different pricing tiers as a result. In the highest-risk areas, coverage is getting harder to place at all, pushing owners toward surplus lines or state-backed plans of last resort. The practical takeaway is that documented mitigation work now changes what you pay.

About MiniCo Insurance Agency

MiniCo Insurance Agency is a specialty program administrator focused on self-storage and other niche commercial risks. Its self-storage offerings combine property, liability, business income, umbrella, cyber, equipment breakdown, and specialty operational coverages.

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