Fear of Fire: How Flames Have Caused Destruction Across America

Fear of Fire: How Flames Have Caused Destruction Across America

House fires cause significant damage across America each year. Annually, there are about 350,000 house fires causing over 2,600 deaths and creating over $7 billion in property damage. As significant as these numbers are, fires in residential housing is much less disastrous than they once were. In the 1800s, for example, when homes were largely made from wood and crowded closely together in major cities, even routine fires spread quickly, often burning entire city blocks at a time. This was a time when modern firefighting equipment was limited as were access to home telephones. Public call boxes were the main vehicle for notifying local fire departments of a problem.

Rural and forest fires were even more problematic as they frequently raged for a long period before even being noticed. Here are just a few of the devastating fires that devastated areas of America in the past.

The Peshtigo Fire

Frequently noted as one of the most significant fires ever in the United States, this forest fire started in Northeastern Wisconsin on October 8, 1871. It eventually reached parts of the Upper Peninsula of Michigan. It devoured 1.2 million acres and was responsible for more deaths than any other fire in history. It is estimated between 1,500 and 2,500 people died in the blaze. Incredibly, the fire occurred on the same day as the more famous Great Chicago Fire which, while significant, paled in comparison. The deaths that occurred as the result of the Peshtigo fire almost equal today’s annual fire-related death toll.

Great Fire of New York

This fire started on September 20, 1776, and burned until the next day. The fire took place on the west side and Lower Manhattan area in New York City and by the time it was extinguished it is estimated to have destroyed up to 25 percent of the buildings in the city. New York also experienced another “Great New York Fire” that occurred in 1835.

The San Francisco Fire

One of the most famous fires in American history was the result of the San Francisco earthquake in 1906. The earthquake and resulting fire took place on April 18 and not only created almost unimaginable damage but caused massive deaths. The loss of human life is estimated at between 700 and 3,000 or more from both the earthquake and fire.

Coverage for fire damage is an important part of your homeowners’ insurance coverage. If you are unsure of your overall coverage, contact us for a free homeowners’ insurance review. If you like, we can get you a no obligation quote. We look forward to assisting you.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

The Mindful Feast: Reclaiming Thanksgiving in a World of Distraction

Want a more peaceful Thanksgiving? Learn how to embrace a mindful approach and find true gratitude this year.

The New Entrepreneur’s Playbook: Insuring Your Business for Digital and Global Risks in 2026

Starting a digital-first business? Learn how to protect your enterprise from modern risks in 2026.

The Modern Parent’s Dilemma: Life Insurance for a Generation of Savers and Investors

Today’s parents have new financial goals. Here’s how life insurance can be a flexible tool for a modern family in 2026.

The Gig Economy Driver: Navigating Auto Insurance for Side Hustles in 2026

Driving for a gig app? Your personal auto insurance might not cover you. Learn how to get the right coverage in 2026.

The Modern Homeowner’s Guide to Water Damage: The Hidden Risk of 2026

Water damage is a growing threat to your home. Learn how to prevent it and protect your insurance in 2026.

The Scent of the Moment: The Rise of Personal Scent and the Art of Fragrance Layering

Tired of smelling like everyone else? Discover how to create your own unique personal scent with fragrance layering.

The Resilient Enterprise: Business Insurance for a Cyber and Hybrid 2026

Cyber threats and a hybrid workforce are changing business insurance. Protect your company in 2026 with the right coverage.

Life Insurance, Not Just a Death Wish: The 2026 Financial Planning Essential

Life insurance is now a living financial tool. This guide shows how modern policies can help you build wealth and plan for the future.

Driving into 2026: Why Your Car’s Tech is Changing Your Auto Insurance

EVs and smart cars are changing insurance. Learn how new tech is affecting your rates and how to get the best deal in 2026.

2026 Home Insurance Outlook: Navigating a Stabilizing, but Still Volatile, Market

Home insurance rates are moderating, but risks remain. Prepare for 2026 with this guide on market trends and policy tips.