What People Forget: The Top 5 Items Missing From Most Wildfire Evacuation Plans

"Preparation isn't just about having a bag by the door. It's about being able to move quickly and confidently when conditions change," said Holly Sacks, Director, Port UW and CAT Management at Mercury Insurance. "We see time and again that the difference between a smooth evacuation and a stressful one often comes down to a few overlooked details."

Based on industry research and real-world claims experience, Mercury is highlighting five commonly missed elements that can make a meaningful difference during a wildfire evacuation:

1. Medication and medical information
   Many evacuation plans include basic supplies but fail to account for prescription medications, dosage details, and medical records. Even a short disruption can create serious complications without this information readily available.
   
   
2. Pet evacuation planning
   Pets are frequently an afterthought in evacuation scenarios. Without carriers, food, or a clear plan for transportation and shelter, evacuation can be delayed or complicated.
   
   
3. Backup communication plans
   Wildfires can disrupt cell service and internet access. Families that rely on a single communication method may struggle to reconnect. Establishing a secondary plan, including meeting points and out-of-area contacts, can help maintain coordination.
   
   
4. Vehicle readiness and route awareness
   Many evacuation plans overlook the basics of transportation. Low fuel, unclear routes, or unfamiliarity with alternate exits can slow evacuation during critical moments.
   
   
5. Easy access to insurance documentation
   Homeowners and renters often assume they can retrieve policy information later, but access to policy numbers, coverage details, and contact information can speed up claims and recovery. Digital backups or cloud access can help ensure this information is available when needed.

Wildfire behavior continues to evolve, with faster-moving fires and shorter evacuation windows becoming more common in many regions. IBHS research emphasizes that preparedness is not just about what households have, but how quickly and effectively they can act under pressure.