While the number of house fires has declined steadily over the past 40 years, fires today cause far more damage. In fact, the average fire loss per house in 2020 was $23,562, compared to $12,214 in 1980.  Fortunately, your homeowners insurance can pay to rebuild your house or replace your belongings after an expensive fire.
House fires statistics and facts
$8.4 billion in property damage was caused from house fires in 2020 
49% of house fires are caused by cooking accidents 
3% of house fires are caused by wildfires, but they cause 11% of all house fire losses 
$78,838 is the average home insurance house fire claim 
20% of fires occur between 5 p.m. and 8 p.m. 
3.5 minutes is all it takes for a house fire to reach over 1,100℉ 
48% of Thanksgiving Day house fires occur between 10 a.m. and 4 p.m. 
How many house fires are there per year?
Around 356,500 house fires occurred in 2020. Below is a further breakdown of house fire facts and figures by the year. 
28,400 was the average number of house fires started intentionally from 2015 to 2019 
2,580 civilian deaths occurred from house fires in 2020 
264,500 house fires occurred in one- or-two storied homes in 2019 
75,000 apartment fires occurred in 2019 
86,000 apartment fires occurred in 2020 
1,100 fires in residential buildings were caused by portable heaters from 2017-2019 
What is the biggest cause of house fires?
Here are the top five leading causes of residential fires from 2015 to 2019, according to the NFPA. 
Average number of house fires
Average direct property losses
While cooking was the leading cause, electrical fires brought the most damage. Smoking materials were the fifth leading cause of house fires, but they caused more deaths than any of the others.
Does homeowners insurance cover house fires?
Yes, homeowners insurance covers just about every cause of house fires, including wildfires and kitchen fires. If your house is damaged or destroyed by a fire, homeowners insurance can pay to rebuild your home and replace any damaged belongings. Your policy can also pay for temporary lodging, restaurant meals, and other living expenses while your home is being rebuilt or repaired.