Commercial Fire Insurance: Increased Concern In High Risk, Rural Enviroments

As record-breaking heat waves and wildfire activity surge across Texas and much of the Southwest, commercial property owners are confronting a stark reality: fire risk is no longer seasonal—it's year-round. According to the National Interagency Fire Center and Texas A&M Forest Service, wildfires have already scorched thousands of acres in 2025, with growing concern around dry vegetation, power grid strain, and delayed emergency response times. For owners of retail buildings, warehouses, office spaces, or multi-use properties, now is the time to evaluate the strength of your commercial fire insurance coverage.

Fire insurance for commercial buildings protects more than the structure—it covers interior assets, business interruption losses, and rebuild costs. However, as insurers reevaluate risk in fire-prone areas, many policies include exclusions, strict documentation requirements, and caps that may not reflect today’s real-world recovery costs. Understanding your commercial property insurance and partnering with a public insurance adjuster can help ensure your business is fully covered before a disaster occurs. At Marshall Adjusting Group, we specialize in reviewing these policies, and negotiating with your insurance company after a loss to maximize recovery.

If your building is in or near a high-risk area—like parts of the Texas Hill Country or Central Texas, which are under heightened drought and burn bans per the Texas Commission on Environmental Quality—it’s critical to act now. Review your policy, inspect your fire mitigation systems, and have a professional assess your vulnerabilities. Fire doesn’t wait, and your coverage shouldn’t either.