Fire insurance is a necessary part of your home insurance plan, as fires are the leading cause
of home destruction.
I can't comment with any specific knowledge about the fires in Texas but the arguments you draw about the importance of vulnerability certainly hold true in Australia,
where home destruction is very much a land - use planning problem.
Ten of the largest fires account for about 80 percent of the
accumulated home destruction and in these fires there was very little the fire services could do on the day to prevent damage to property.
In the most destructive of the Black Saturday fires in 2009, our post-event measurements show for the towns of Marysville and Kinglake that the likelihood of home destruction [for structures separated from brush by less than 10 meters] was around 90 percent and that 60 percent of all homes destroyed on that day were within this distance of bushland.
Just as health insurance takes some of sting away from the cost of medical care, so home insurance provides a remedy when faced with
major home destruction such as that caused by fire, flood, hail, tornadoes or other storms.
A flood insurance policy provides protection for
the home destruction and financial devastation that floods can cause.