For Every $1 of Expected Wildfire Loss on a Prepared Home, an Unmitigated One Faces $47

Owners in fire country hear mitigation as paperwork that keeps the insurer quiet, so it sits on the list beside the kitchen and loses. The figures in Cotality's 2026 Wildfire Risk Report reframe it as money: the best-prepared tenth of homes carry expected losses 78% below average, and the least prepared tenth face more than ten times the average risk.