Wildland-Urban Interface

Updated: 29 February 2024

What Does Wildland-Urban Interface Mean?

The wildland-urban interface (WUI) is land that stands between the undeveloped, natural land and developed, urban areas. Many new homes are built in the WUI; however, because these houses are more susceptible to various perils such as forest fires, they pose a higher insurance risk than those built on urban and suburban real estate.

Insuranceopedia Explains Wildland-Urban Interface

Homes in the wildland-urban interface are at greater risk of damage from wildfires. These fires are vast and spread quickly, covering tracts of land and destroying any home in their path. As a result of this and other perils, insurance premiums are typically higher for homes built in the WUI.

Despite the higher premiums, these locations continue to be attractive to home buyers. In some cases, the lower real estate price compared to the cost of building or living in denser, urban centers more than offsets the increased insurance burden. Other homeowners are willing to pay the higher premium to live in closer connection with nature.

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