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

Shadow or Spring? The Quirky Science and Folklore of Groundhog Day 2026

Will he see his shadow? Dive into the history and humor of Groundhog Day 2026 and why we still trust a rodent with our weather forecasts.

Stocked for Love: Protecting High-Value Valentine’s Inventory with Business Insurance

Is your Valentine’s stock protected? Ensure your business insurance accounts for the massive inventory surge happening in early February.

New Life, New Responsibility: Why a February Arrival Means Updating Your Policy

Welcoming a new family member this February? It’s time to move life insurance to the top of your to-do list to ensure your child’s future is secure.

Delivering Love: The Insurance Risks of Valentine’s Week Gig Work

Delivering flowers or chocolates for extra cash this Valentine’s? Make sure your car is actually insured for delivery work before you hit the road.

Tax Prep & Protection: Ensuring Your Home Office is Fully Insured for 2026

Prepping your taxes? Don’t forget to check your home office insurance. Your standard policy might not cover your professional gear or liability.

More Than Just a Sale: The Fascinating Evolution of Presidents’ Day

Why is Presidents’ Day on a Monday? Explore the history, the politics, and the trivia behind our mid-February celebration of national leadership.

The Presidents’ Day Shutdown: Managing Risk During Holiday Closures and Sales

Closed for the holiday or open for a sale? A business guide to managing liability, employee pay, and property security during Presidents’ Day weekend.

A Presidential Legacy: Using Life Insurance to Fund Your Charitable Vision

What will your legacy be? Learn how to use life insurance to make a significant charitable impact this Presidents’ Day without depleting your current savings.

The Presidents’ Day Purchase: Navigating Insurance and Gap Coverage for Your New 2026 Vehicle

Buying a new car this Presidents’ Day? Make sure your insurance keeps up. Essential tips on Gap coverage and new vehicle replacement riders.

Water, Water Everywhere: Preparing Your Home Insurance for the Late-February Thaw

Is your basement ready for the thaw? Learn why standard home insurance doesn’t cover sump pump failure and how to add the right protection this February.