Wildfire Preparedness in Oklahoma: Essential Steps to Protect Your Property and Policy

Oklahoma’s summer has been back in full force. Much of the state has seen daily temperatures above 100 degrees, with nighttime lows hovering around 80. In addition to the dangerous heat, drought conditions are widespread. Warm, dry weather exposes Oklahomans to one of the state’s biggest hazards: wildfires. Here’s how to help prevent wildfires and protect your home.

First, consider the current conditions. The entirety of Oklahoma is experiencing dry weather, and almost two-thirds of the state faces severe to exceptional drought, with the driest conditions in western Oklahoma. Forecasts show little relief in sight for the next several weeks. These factors create ideal conditions for wildfires, and any fire that starts can intensify quickly. For example, the March 2025 wildfire outbreak alone scorched over 170,000 acres, resulting in over 500 homes and businesses destroyed, over 200 injuries and tragically, four fatalities.

Though the dangers posed by wildfires are quite serious, there are still some actions you can take to prevent them and prepare for them.

Stay vigilant. Actively monitor conditions and pay close attention to weather forecasts. On high-risk days, avoid activities that create sparks or open flames. Follow official guidance, especially burn bans and fire-related weather alerts. If you are told to evacuate, do so immediately.

Before wildfires strike, review your homeowners insurance policy. Know what your policy covers and if you have actual cash value or replacement cost coverage. Also, check with your insurer for any discounts related to wildfire mitigation measures.

Inspect and maintain your property to reduce your risk. The Insurance Institute for Business and Home Safety (IBHS) provides an in-depth guide on preparing your home. Quick tips you can implement include:

• Keeping a five-foot noncombustible area around your home clear of vegetation, tree branches, stored vehicles and other flammable items
• Maintaining a 30-foot defensible zone beyond your noncombustible zone by trimming vegetation and protecting detached structures to control the spread of fires
• Swapping flammable building materials for nonflammable options
• Cleaning out gutters regularly to prevent the buildup of flammable debris

In addition to preparing your property and insurance for fires, prepare your family. Have a plan of action in place in case a wildfire threatens your family. Pack a go-bag, including anything you might need when evacuating, like supplies, medication, insurance documents, your home inventory list, and identification. Ensure everyone in your household knows your emergency plan and the escape routes from your home. Plan for anyone in your family who may have unique needs.

Wildfire risk is high during this scorching summer. With smart prevention and strong insurance readiness, Oklahoma families can be prepared for wildfires. If you have insurance questions or issues, the Oklahoma Insurance Department (OID) will show you the way! Contact us at 800-522-0071 or oid.ok.gov.