Your Home Can Defend Itself Against Wildfire
Advanced automated wildfire protection systems — automated activation, 24/7 fire tracking, Class A foam, and flexible financing. Now available through Prineville Insurance for Oregon homes and businesses.
"96% of homes protected by an active wildfire defense system survived the 2025 LA wildfires."
Automated exterior sprinkler system actively protecting a home as wildfire smoke rises on the horizon
The Science of Wildfire Loss
Embers Are the #1 Threat — Not the Flames
When a wildfire burns, wind-driven embers travel for miles ahead of the fire front — landing on roofs, in gutters, and against walls long before the flames arrive. Research shows that embers cause up to 90% of structure loss during a wildfire. The fire itself may never reach your property. The embers already have.
Oregon has over 9 million acres of fire-prone land. The combination of dry summers, high winds, and dense ponderosa pine and juniper forests creates conditions where embers can travel miles ahead of a fire front. In Central Oregon, wildfire season has extended from a few months to nearly year-round.
Standard defensible space and home hardening are essential — but they are passive measures. An active defense system takes a fundamentally different approach: it saturates your property with water and firefighting foam before embers can ignite anything, creating an environment that is simply too wet to burn.
The system is designed to be activated when fire is within seven miles of your home — well ahead of fire showing up at your doorstep. This early activation window is what makes the difference between a home that survives and one that does not.
90%
of home losses caused by wind-driven embers
7 mi
radius at which the system detects and activates
96%
survival rate for protected homes in 2025 LA wildfires
How It Works
Advanced Wildfire Defense Technology
Purpose-built hardware and powerful software work together to protect your home or business — automatically, remotely, and precisely.
Automated Activation — 100× Faster
The system activates automatically when fire is detected within seven miles of your property — more than 100× faster than traditional sensor-based systems that can only detect fire within a few hundred feet. No one needs to be home.
24/7 Wildfire Tracking Software
Powered by always-on wildfire tracking software that monitors fire activity around the clock. When fire comes within seven miles, you receive an immediate notification and a 10-minute countdown. You can activate immediately or let the system auto-activate.
Roof Rotors + Eave Sprayers
Roof rotors rotate 360° and keep your roof and gutters wet while spraying up to 30 feet from your exterior walls. Eave sprayers point downward to protect walls and the critical 15-foot immediate zone — the most common ember ignition area.
Class A Firefighting Foam
5× more effective than water alone. Breaks down water surface tension so water is absorbed more quickly and deeply by combustible materials. U.S. Forest Service approved, biodegradable, non-toxic, and used every day by professional firefighters.
WiFi + Cellular + Satellite Backup
Every system includes triple connectivity plus a dedicated backup battery. If power is cut and cell service fails, you remain connected and in control. Operate your system remotely from anywhere — even after you have evacuated.
Intelligent Water Management
Designed to run effectively with low water pressure. Runs in zones like irrigation systems to limit water demand. Automatically switches from your home's primary supply to a pool, tank, or well when pressure drops.
Custom-Designed Coverage
Every system starts with a custom design based on your home's unique footprint. Sprinkler placement ensures complete coverage of your home and 30 feet of surrounding property with 100% overlap to account for high winds during a wildfire.
Commercial System Available
Purpose-built protection for warehouses, wineries, campuses, summer camps, data centers, agricultural estates, and other commercial properties. Same technology, scaled for larger footprints.
System Specifications
What the System Covers
| System Feature | What It Means for You |
|---|---|
| Automated activation at 7 miles | Turns on when fire is detected within seven miles — 100× faster than traditional sensors |
| 24/7 wildfire tracking software | Monitors fire activity continuously and alerts your phone in real time |
| Roof rotors (360° rotation) | Keeps roof and gutters wet; sprays up to 30 feet from exterior walls (HIZ-1 zone) |
| Eave sprayers (downward) | Protects walls and the 15-foot immediate zone (HIZ-0) — most critical ember landing area |
| Class A firefighting foam | 5× more effective than water alone; Forest Service approved, biodegradable, non-toxic |
| Triple connectivity backup | WiFi + cellular + satellite keeps the system online even if power and cell service fail |
| Dedicated backup battery | System stays operational during the most extreme wildfire conditions |
| Remote mobile operation | Activate or override from anywhere — even after you have evacuated |
| Intelligent water management | Runs in zones; auto-switches to pool, tank, or well when primary pressure drops |
| Custom design per property | Every system is designed for your home's unique footprint with 100% coverage overlap |
| Commercial system available | Scaled for warehouses, wineries, campuses, data centers, and agricultural estates |
| Discreet installation | Concealed within your home's architecture; can be painted to blend in |
Interested in Wildfire Defense Technology?
Call or text Prineville Insurance — we will connect you with a product specialist and review your wildfire insurance.
Free Mobile App
The Wildfire Tracking App — Always On, Always Watching
A free wildfire app with all the tools and information you need to prepare for wildfire season. No more scouring the web to find critical information. Comprehensive wildfire information — and complete control of your defense system — at your fingertips.
Real-Time Wildfire Alerts
Receive proactive alerts for new fires, red flag warnings, fire weather watch warnings, lightning events, and wildfire evacuation notices — all based on your home address.
Live Fire Tracking Map
See exactly where current wildfires are burning and monitor fires that may be a threat to your home and family. Know what is happening before it reaches your neighborhood.
Evacuation Step-by-Step Coaching
When it is time to evacuate, the app provides step-by-step coaching so you don't forget critical tasks. Pulling in doormats, closing windows, and moving patio furniture 30 feet away can save your home.
Emergency Contact Groups
Invite friends, family, and neighbors into an emergency group. Share and receive critical notifications, set evacuation meeting locations, monitor your group's evacuation status, and send group updates.
Home Hardening Checklists
Access checklists, tips, and tools to prepare your home, family, yard, and pets for wildfire season. Everything you need in one place — no more scouring the web for critical information.
System Remote Control
If your property has an active wildfire defense system, the app gives you complete remote control — activate, override, or monitor your system from anywhere in the world.
"This app brings peace of mind. Very user friendly. Offers concise fire info including local weather, your location's danger risk, where fires are currently burning, and pertinent checklists of what to bring and things to consider in the event of an evacuation."
— C.L. Murphy, App Store Review
Commercial Properties
Wildfire Defense for Oregon Businesses
The same automated wildfire defense technology available for homes is also purpose-built for commercial properties. A commercial wildfire defense system is scaled for larger footprints and designed to protect the assets, inventory, and operations that your business depends on.
For Oregon wineries, agricultural estates, summer camps, and rural businesses, wildfire is not a distant threat — it is an annual operational risk. A single wildfire event can destroy years of investment in crops, equipment, buildings, and infrastructure. Active wildfire defense provides a layer of protection that passive measures simply cannot match.
Commercial wildfire defense is also viewed favorably by commercial property underwriters. For businesses in high-risk zones that have faced non-renewal or coverage restrictions, installing an active system can open doors to preferred commercial carriers and better coverage terms.
Warehouses & distribution centers
Wineries & agricultural estates
Summer camps & retreat centers
Data centers & server facilities
Medical campuses & clinics
Private schools & universities
Manufacturing facilities
Rural commercial properties
The Insurance Connection
Technology + Insurance: A Smarter Approach to Wildfire Risk
Installing an active wildfire defense system is viewed favorably during insurance underwriting assessments. For homeowners in high-risk zones, it can make the difference between qualifying for a preferred carrier and being placed in a market of last resort — or losing coverage entirely.
Many Oregon insurance carriers are non-renewing policies in wildfire-prone zones. An active defense system demonstrates to underwriters that you have taken meaningful steps to reduce your risk — steps that go well beyond defensible space and home hardening.
Prineville Insurance can help you bundle the conversation — evaluate the technology AND review your current wildfire insurance coverage in the same appointment. We work with 50+ carriers and understand the Central Oregon wildfire insurance market better than anyone.
Whether you are a homeowner facing non-renewal, a business owner looking for better commercial property coverage, or simply someone who wants to protect what they have built — we are here to help you navigate both the technology and the insurance.
Active defense systems viewed favorably by insurance underwriters
May help qualify for preferred carriers in high-risk zones
Can support policy renewal conversations with your carrier
Prineville Insurance reviews your coverage at the same appointment
Works alongside defensible space and home hardening for layered protection
50+ carriers — we find the right fit for your property and risk profile
Central Oregon wildfire insurance specialists since 1935
Homeowners, commercial, farm & ranch, and vacation rental coverage available
Flexible Financing
Zero-Down Wildfire Protection
New financing options make active wildfire defense accessible to more Oregon homeowners and businesses. You can protect your property today — even if you don't pay until next year. Financing is offered in partnership with one of the largest banks in the United States. Apply in minutes with near-instant approval. Your application won't impact your credit score.
Install Now, Pay Later
Zero-Down Protection
- No payment for one year
- No interest for one year
- Protect your home today
Protection Loan
Low Monthly Payments
- One low, fixed rate
- Loan amounts up to $100,000
- Near-instant approval
Cash Purchase
Own It From Day One
- No monthly payments
- Full ownership immediately
- Maximum long-term value
Loan amounts up to $100,000. Requires minimum FICO of 700. Unsecured loan with no home equity required. Rates subject to change. Contact Prineville Insurance for current terms.
Two Ways Prineville Insurance Can Help
Interested in wildfire defense technology? We can connect you with a product specialist AND review your insurance — all in one conversation.
Is This Right for You?
Who Benefits from Active Wildfire Defense
Homeowners in wildfire-urban interface (WUI) zones
Vacation and rental property owners
Wineries and agricultural estates
Summer camps and retreat centers
Commercial property owners and landlords
Anyone who has received a non-renewal notice from their carrier
High-value homes that are difficult or costly to insure
Businesses that cannot afford years of rebuilding after a fire
Common Questions
Frequently Asked Questions
How does the system know when to activate?
The system is powered by 24/7 wildfire tracking software that monitors fire activity around the clock. When fire is detected within seven miles of your property, you receive a notification and a 10-minute countdown begins. You can activate immediately or let the system auto-activate at the end of the timer.
Do I need to be home for the system to activate?
No. The system activates automatically when fire is detected within seven miles of your property. You can also activate it remotely from anywhere using the mobile app — even after you have evacuated.
What happens if the power goes out during a wildfire?
Every system includes WiFi, cellular, and satellite connectivity plus a dedicated backup battery. If power is cut and cell service fails, you remain connected and in control. The system continues to operate and can be managed remotely.
What water sources can the system use?
The system uses your home's primary water supply first. If it senses a drop in pressure, it automatically switches to an available secondary source such as a pool, tank, or well. The intelligent water management system runs in zones to optimize available pressure.
Will installing a wildfire defense system help with my insurance?
Installing an active wildfire defense system is viewed favorably by many insurance underwriters. It can help homeowners in high-risk zones qualify for preferred carriers, avoid non-renewal, or access better coverage terms. Prineville Insurance can review your current policy alongside the technology consultation.
Does this replace defensible space and home hardening?
No — it complements them. Defensible space, home hardening, and an active defense system work together as a layered approach. The system is designed to activate well before fire reaches your property, giving your defensible space time to work.
Is the Class A firefighting foam safe?
Yes. The foam is U.S. Forest Service approved, biodegradable, non-toxic, and used every day by professional firefighters. It easily washes away after being applied and poses no environmental risk to your property, landscaping, or water sources.
Is this available for commercial properties?
Yes. A dedicated commercial system is available for warehouses, distribution centers, data centers, manufacturing facilities, medical campuses, wineries, agricultural estates, and private schools and camps.
What financing options are available?
Three options are available: Install Now Pay Later (no payment, no interest for one year), a Protection Loan (low monthly payments at a fixed rate, loans up to $100,000, near-instant approval), or a cash purchase. Contact Prineville Insurance to learn more.
How do I get started?
Contact Prineville Insurance. We will connect you with a product specialist who can walk you through everything the system offers, answer your questions, and help you decide if it is right for your property. We can also review your current home or commercial property insurance at the same time.
See It in Action
Big-Agency Resources. Local-Agency Service.
Watch how Prineville Insurance combines advanced wildfire defense technology with expert local insurance guidance to protect Central Oregon homes and businesses.
Real-World Results
Oregon Properties That Survived
Active wildfire defense systems have protected homes and businesses across the West. Here are scenarios that reflect what Oregon property owners face every fire season.
La Pine, Oregon
La Pine Homeowner — Evacuated, Home Survived
A La Pine homeowner received an evacuation order and left immediately. The wildfire defense system received an automatic alert when fire came within seven miles, activated on its own, and saturated the roof and surrounding property with water and Class A foam. When the homeowner returned three days later, the home was standing. Neighboring properties without active systems were lost.
✓ Home protected. Family safe. No damage.
Sisters, Oregon
Sisters Vacation Rental — No One Home
A Sisters vacation rental property was unoccupied when a fast-moving grass fire approached. The property owner was in Portland and received a push notification from the wildfire tracking app. The system had already auto-activated. The owner watched the system status remotely from their phone. The rental property survived intact — protecting both the asset and future rental income.
✓ Property protected. Rental income preserved.
Central Oregon
Central Oregon Winery — Commercial System
A Central Oregon winery installed a commercial wildfire defense system after their insurance carrier issued a non-renewal notice. The system protected the winery building, barrel storage, and surrounding vineyard during a nearby fire event. The installation also supported their conversation with a new insurance carrier, helping them secure preferred commercial property coverage.
✓ Winery protected. Insurance secured.
Layered Protection
Active Defense vs. Passive Measures
All three layers work together. An active defense system is the missing piece that passive measures alone cannot provide.
| Protection Layer | Defensible Space | Home Hardening | Active Defense System |
|---|---|---|---|
| Activates automatically when fire approaches | ✗ | ✗ | ✓ |
| Works when you are not home | ✓ (passive) | ✓ (passive) | ✓ (active) |
| Protects against wind-driven embers | Partially | Partially | ✓ |
| Saturates roof and walls with water + foam | ✗ | ✗ | ✓ |
| Sends real-time alerts to your phone | ✗ | ✗ | ✓ |
| Remote operation from anywhere | ✗ | ✗ | ✓ |
| Works if power and cell service fail | ✓ | ✓ | ✓ (satellite backup) |
| Viewed favorably by insurance underwriters | ✓ | ✓ | ✓ (strongest signal) |
| Can help avoid non-renewal | Sometimes | Sometimes | ✓ |
| Requires annual maintenance | ✓ (vegetation) | Minimal | Annual inspection |
Simple Process
How to Get Started in 4 Steps
From your first call to a fully protected property — here is exactly what to expect.
Contact Prineville Insurance
Call (541) 447-6372, text us, or fill out the contact form below. Tell us you are interested in wildfire defense technology — that is all you need to say.
Technology Consultation
We connect you with a product specialist who walks you through everything the system offers, answers your questions, and helps you decide if it is right for your property. No obligation.
Custom System Design
A system designer creates a custom layout for your specific property — roof rotors, eave sprayers, water source connections, and controller placement — optimized for complete coverage.
Installation + Insurance Review
Licensed contractors install your system. At the same time, Prineville Insurance reviews your current wildfire insurance coverage and helps you find the best available options.
Know Your Risk
Are You in a Wildfire-Urban Interface Zone?
A Wildfire-Urban Interface (WUI) zone is any area where homes and businesses are built adjacent to or within fire-prone wildland vegetation. In Oregon, WUI zones cover a significant portion of the state — and virtually all of Central Oregon qualifies.
If you live or own property in or near Bend, Redmond, Sisters, La Pine, Prineville, Madras, or any rural community in Central or Eastern Oregon, you are almost certainly in a WUI zone. This means your property faces elevated wildfire risk every fire season — and your insurance carrier knows it.
Oregon's WUI communities have seen dramatic increases in insurance non-renewals, premium increases, and coverage restrictions over the past five years. Many homeowners have been forced into the Oregon FAIR Plan — the state's insurer of last resort — after their preferred carrier declined to renew.
Installing an active wildfire defense system is one of the most meaningful steps a WUI property owner can take — both to protect the property itself and to demonstrate to insurance underwriters that the risk has been actively managed.
Central Oregon WUI Communities
Oregon Wildfire Insurance Facts
Be Prepared
What Your Insurance Agent Will Ask
When you contact Prineville Insurance, here is what we will discuss — and how an active wildfire defense system helps your answers.
What is your property's wildfire risk score?
Oregon uses a statewide wildfire risk map. Properties in high or extreme risk zones face the most scrutiny. An active defense system is viewed as meaningful mitigation regardless of your score.
✓ Active system = favorable underwriting signal
Have you completed defensible space?
Oregon law requires 100 feet of defensible space for most rural properties. Underwriters ask about vegetation management, fuel reduction, and ember-resistant zones around the structure.
✓ Active system complements defensible space
What home hardening measures are in place?
Underwriters look for ember-resistant vents, Class A roofing, multi-pane windows, and non-combustible siding. These are passive measures that reduce ignition risk.
✓ Active system adds the layer hardening cannot
Have you had any wildfire-related claims?
Prior claims affect your insurability. If you have had a claim, demonstrating active mitigation steps — including an installed defense system — can help rebuild your underwriting profile.
✓ Active system shows commitment to risk reduction
What is the replacement cost of the structure?
Underwriters need accurate replacement cost values, especially for high-value or custom homes. Many Oregon homes are significantly underinsured — we will help you get this right.
✓ Prineville Insurance provides replacement cost analysis
Are there secondary water sources on the property?
Pools, tanks, and wells can serve as backup water sources for both firefighters and your active defense system. Having a secondary source is viewed positively by underwriters.
✓ Active system auto-switches to secondary sources
Let Prineville Insurance Guide You Through the Conversation
We have helped Central Oregon homeowners and businesses navigate wildfire insurance since 1935. We know what underwriters look for and how to present your property in the best possible light.
Annual Preparedness
Oregon Wildfire Season Preparedness Checklist
Complete these steps before wildfire season every year. Share this checklist with your family and neighbors.
Property & System
Insurance & Family
Ready to review your wildfire insurance coverage?
Prineville Insurance offers a free wildfire coverage review. Call or text us today.
Peace of Mind
What Oregon Homeowners Are Saying
"After our carrier non-renewed us, we thought we were out of options. Prineville Insurance found us coverage AND introduced us to the wildfire defense system. Now we sleep at night during fire season."
Central Oregon Homeowner
Sisters, OR
"The wildfire tracking app alone is worth it. I get real-time alerts, I can see exactly where fires are burning, and I can activate our system from my phone anywhere in the world. That peace of mind is priceless."
Vacation Property Owner
La Pine, OR
"We installed the commercial system at our winery after a fire came within two miles of our property. Our insurance agent at Prineville Insurance helped us use the installation to negotiate better coverage terms."
Oregon Winery Owner
Central Oregon
Wildfire Insurance at Prineville Insurance
Wildfire Coverage Resources Across Our Website
Wildfire Insurance Overview
Start here — everything Prineville Insurance offers for wildfire coverage
Oregon Wildfire Insurance
Statewide wildfire insurance options for Oregon homeowners and businesses
Central Oregon Wildfire
Wildfire coverage focused on Bend, Redmond, Sisters, La Pine, and Prineville
Wildfire Home Hardening
How home hardening and insurance work together to reduce your risk
Wildfire After Non-Renewal
Lost your wildfire coverage? We can help you find alternatives
Wildfire Cost Guide
What wildfire insurance costs in Oregon and how to reduce your premium
Bend Wildfire Insurance
Wildfire coverage for Bend homeowners and businesses
La Pine Wildfire Insurance
Wildfire coverage for La Pine — one of Oregon's highest-risk communities
Sisters Wildfire Insurance
Wildfire coverage for Sisters and the surrounding Cascade foothills
Prineville Wildfire Insurance
Local wildfire coverage from Prineville Insurance — serving since 1935
Fire Mitigation Guide
Practical steps to reduce your wildfire risk and protect your property
Home Insurance
Comprehensive home insurance that includes wildfire coverage options
Commercial Insurance
Commercial property coverage for Oregon businesses in wildfire zones
Farm & Ranch Insurance
Farm and ranch coverage including wildfire risk for agricultural properties
Winery Insurance
Specialized coverage for Oregon wineries and vineyard estates
Contact Prineville Insurance Directly
We will connect you with a wildfire defense technology specialist AND review your current wildfire insurance coverage — all in one conversation. No obligation.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
