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“We won’t insure you”: Robie Creek homeowners struggle to get home insurance due to wildfire risks

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“We won’t insure you”: Robie Creek homeowners struggle to get home insurance due to wildfire risks


ROBIE CREEK, Idaho — The Claremont Fire has brought wildfire risks to top of mind for neighbors living in places like Robie Creek, where residents saw Level 3 evacuations this week.

Many Idaho homeowners in rural areas like Boise County say they are having their home insurance policies dropped because of wildfire risks, leaving many scrambling to find coverage or going with none at all.

“This one was good — we knew it was coming, the one that was the Valley Fire in 2024 came up behind the hill. It was closer than this one even,” said Christian Dahlstrom, who has lived in Rocky Canyon since 2008.

WATCH | Hear from Robie Creek homeowners about being dropped from coverage with no luck getting re-insured

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“We won’t insure you”: Robie Creek homeowners struggle to get home insurance due to wildfire risks

“I was insured since then until last year, so following the 2024 fire or fires, the insurance companies up here started reevaluating and they canceled a lot of folks and I was one of them,” Dahlstrom said.

He and many of his neighbors are now living without homeowners insurance because they can’t find a provider that will offer them full coverage.

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“I have contacted every insurance carrier in the phonebook,” Dahlstrom said.

He said his mortgage company eventually insured the home, but only for the value of the mortgage. He could still lose everything if the home were destroyed in a fire.

“One insurance company said yep they’ll insure me but I had to take every single tree off the property. Well, then why am I living in the forest?” Dahlstrom added.

Others in Robie Creek say they are facing similar problems.

“And it’s not even a, well now you have to pay twice as much. It’s a we won’t insure you,” said Oscar Williamson.

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Williamson recently bought a home in Robie Creek and said he needed insurance coverage to close on the property.

“We had gone through 40 different insurance companies to try to get it insured and nobody would ensure it they said it was in a high fire area,” Williamson said.

He nearly backed out of the purchase until his mortgage company offered limited coverage similar to Dahlstrom’s.

“You have no choice either run it without insurance or you don’t own the house,” Williamson said. “There should be an easier way of doing this.”

RELATED | “We’re all being canceled”: Idaho homeowners struggle to maintain home insurance amid wildfire risks

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This is an issue affecting homeowners across the Treasure Valley and Idaho — residents in Garden Valley and the Boise Foothills have also reported losing coverage because of wildfire risk concerns.

RELATED | Idaho homeowners face insurance cancellations and rate hikes over wildfire risk

Boise Fire Chief Aaron Hummel says they’re working with partners to help reduce risks for homeowners and improve insurability.

“We also we’re trying to do our part with the Western Fire Chief Association, insurance carriers to see what can we do to use some of the contemporary tools to help mitigate some of this challenge,” Hummel said.

They are hoping to use new technology and grant funding to better protect homes in the wildland-urban interface.

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“And essentially what we’re trying to do is leverage current AI technology and modeling tools to be very targeted in addressing areas that are vulnerable,” Hummel said.

You can find more information about Boise Fire’s goal to help reduce wildfire risks for homeowners here.





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Idaho

Brush fire prompts GO NOW evacuations near Mesa in Adams County

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Brush fire prompts GO NOW evacuations near Mesa in Adams County


ADAMS COUNTY, Idaho — A brush fire burning near Old Highway 95 and Mesa prompted GO NOW evacuations, road closures and a power outage on Thursday in Adams County.

The Adams County Sheriff’s Office ordered people in the Mesa, Kilborn, Highland and Whitman areas to leave immediately.

Mesa Lane and Kilborn Lane have been closed, and officials are asking people to stay out of the area while firefighters work.

Idaho Power reported an outage between Mesa and Fruitvale Road and said crews are on scene.

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Officials said livestock threatened by the fire can be taken to the Adams County Fairgrounds.

The sheriff’s office said its business phone lines were temporarily unavailable, but 911 remained operational for emergencies. Officials later said the phone system was restored.





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Idaho Power crews respond to outage affecting 2,163 customers in Canyon County

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Idaho Power crews respond to outage affecting 2,163 customers in Canyon County


More than 2,000 Idaho Power customers in Canyon County are without electricity Wednesday evening as crews respond to an outage affecting Caldwell and Middleton.

Idaho Power reported the outage at 8 p.m. July 8, listing 2,163 customers impacted in the 83605, 83644 and 83687 ZIP codes.

The outage is expected to be resolved by 10 p.m. July 8; Idaho Power said a crew was dispatched and en route. The cause of the outage is not immediately known.



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Idaho man bit by rattlesnake in Northern California recovering

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Idaho man bit by rattlesnake in Northern California recovering


(KRON) — An Idaho man is recovering after a life-threatening rattlesnake bite during a family visit to Oroville, Northern California. Chris Howarth spent nearly two weeks in intensive care following the incident in his mother’s garden.

During his 12-day stay in intensive care, Howarth received 54 vials of anti-venom and multiple blood transfusions, split between six days at Oroville Hospital and six days after being flown to Stanford.

Six weeks after the incident, he is approximately 80% recovered.

Howarth initially believed the bites were a prick from a thorn or a “star thistle or one of those goat heads.” He described the sensation as feeling “like getting your blood drawn.”

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“I think I got bit twice. I said ‘ow’ again and ‘ow’ again. It almost felt like getting your blood drawn,” said Howarth. Howarth also noted he “didn’t hear it at all” when his father went to inspect the area and observed the snake shaking its tail without making noise.

As his wife drove him to the hospital, his condition worsened.

“On the way there, he was started kind of feeling some numbness and tingling in his mouth and his tongue so I knew we needed to get to the closest hospital,” said Jenny Howarth.

Howarth is still experiencing lingering effects from the bite, including swelling, soreness and fatigue.

“My leg is still kind of sore and tender, my ankle still swells, I barely got able to tie a shoe just a few days ago and also still having lingering effects of fatigue,” Howarth said.

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California’s Poison Control system has received 77 rattlesnake-related calls this year, with experts reporting encounters are occurring earlier and more frequently. Dr. Rafa Lima, an emergency physician at Kaiser Permanente in San Leandro, explained that rattlesnake venom “destroys local tissue and causes a lot of pain and swelling.”

Dr. Lima advised immediate medical attention for suspected venomous snake bites. “If you are bitten by a snake with a rattle or you suspect is venomous, you should really get care immediately,” Dr. Lima said.

He also dispelled common myths, stating, “There’s a common myth that you should just tourniquet up the wound and bind it and mobilize it, or even try to suck the venom out but all that does is delays the time to get treatment and the longer the venom is in the tissue, the worst prognosis.”

Howarth mentioned that the weather conditions were unexpected for a rattlesnake encounter.

“That day and even the day before, it kind of been cooler and it had been raining so we weren’t expecting to see a rattlesnake,” she said.

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Howarth hopes his experience highlights that rattlesnakes pose a risk in garden areas, not just hiking trails, even during cooler weather. Howarth hopes to return to work next week.

Those who want to donate to a GoFundMe set up for Howarth can do so here.

All facts in this report were gathered by journalists employed by KRON4. Artificial intelligence tools were used to reformat information into a news article for our website. This report was edited and fact-checked by KRON4 staff before being published.



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