The Cost of Wildfire Risk Is Rising Faster Than Ever.

As wildfires grow stronger each year, their financial and human impact deepens.

In 2025 alone, insured losses surpassed $150 billion, over 100,000 homeowners lost coverage, and reconstruction costs climbed more than 40%.

The data is clear - protection must start before the flames ignite.

$150 B

Wildfire Losses in 2025

100,000

Homeowners Lost Coverage

40%

Reconstruction Cost Increase

Rising risks demand smarter, science-backed defense.

Wildfires are becoming more destructive as insurance coverage declines and recovery costs surge, leaving thousands of homeowners and communities without protection or affordable options.

Wildfires Are Intensifying

California’s wildfire crisis continues to escalate, with once-in-a-generation fires now becoming an annual threat.

In early 2025 alone, insured losses were estimated between $135 billion and $150 billion, pushing insurance systems to their limits and leaving thousands of homeowners and businesses exposed.

At the same time, reconstruction costs have surged by over 40% since 2019, driven by inflation in materials and labor shortages - compounding the challenge of recovery.

Insurance Crisis in High-Risk Zones

Traditional insurance coverage is no longer enough for many Californians.

Since 2019, more than 100,000 homeowners have lost coverage due to wildfire risk.

In 2024, State Farm dropped 72,000 policies, including 30,000 single-family homes and 42,000 apartment units - leaving countless properties unprotected ahead of another active fire season.

Before the January 2025 fires, 1,600 homeowners in Pacific Palisades were non-renewed months before flames arrived, illustrating the widening gap between risk and protection.

Regulatory Response

In January 2025, Insurance Commissioner Ricardo Lara issued a one-year moratorium on non-renewals and cancellations for properties within or near the Palisades and Eaton fire zones.

This policy includes protection for homeowners whose insurance was set to be canceled within 90 days before the fires - offering temporary relief amid unprecedented losses.

However, this is not a long-term solution, and many property owners remain vulnerable once moratoriums expire.

Impact on Homeowners

Thousands of affected residents are now being forced into the state’s FAIR Plan, a last-resort option offering limited coverage at significantly higher premiums.

Others are turning to surplus-line insurers, which lack consumer protections and often come with much higher costs and limited benefits.

For many, this means paying more for less - or having no coverage at all.

The Wildfire Guardian™ Featured on ABC Los Angeles

Experience how The Wildfire Guardian™ is transforming wildfire defense across California.

Watch our feature on ABC7 Los Angeles, highlighting our breakthrough GraphGel™ technology and its proven ability to protect residential and commercial properties, as well as entire communities, from wildfire destruction.

The Wildfire Guardian™ Protection Solution

The Wildfire Guardian solution features GraphGel™, a breakthrough, environmentally responsible fire-retardant to address one of the most pressing natural threats facing the United States - wildfires. Engineered as a gel-based coating, GraphGel™ is designed for rapid deployment to homes, commercial facilities, and critical infrastructure in high-risk wildfire zones.

Step 1: Plan

Our professional team analyzes your property to develop a comprehensive plan to protect it against wildfire threats.

Step 2: Apply

When a threat is imminent, our team applies The Wildfire Guardian™ GraphGel™ - a graphite-based, eco-friendly fire-retardant coating - to the structure using specially designed nozzles and applicators according to the predetermined plan.

Step 3: Protect

In the event fire reaches your property, it is protected by The Wildfire Guardian’s proprietary formulation that utilizes biopolymer gels and intumescent compounds that activate at low temperatures, forming a thermal barrier that shields structures from heat and flame.

Step 4: Remove

After the threat passes, GraphGel™ is professionally removed from your property using water, leaving no structural or environmental impact - restoring your property to its original condition safely and efficiently.

Step 1: Plan

Our professional team analyzes your property to develop a comprehensive plan to protect it against wildfire threats

Step 2: Apply

When a threat is imminent, our team applies The Wildfire Guardian™ GraphGel™ — a graphite-based, eco-friendly fire-retardant coating — to the structure using specially designed nozzles and applicators according to the predetermined plan.

Step 3: Protect

In the event fire reaches your property, it is protected by The Wildfire Guardian’s proprietary formulation that utilizes biopolymer gels and intumescent compounds that activate at low temperatures, forming a thermal barrier that shields structures from heat and flame

Step 4: Remove

After the threat passes, GraphGel™ is professionally removed from your property using water, leaving no structural or environmental impact — restoring your property to its original condition safely and efficiently.

A Smarter, Sustainable Solution

The Wildfire Guardian™ by Altek provides an alternative - a proactive defense system designed to protect properties before disaster strikes.

Our eco-safe, next-generation fire-retardant coating offers over 90% protection against ignition, shielding homes, facilities, and critical infrastructure from ember attack - the leading cause of structure loss during wildfires.

By combining breakthrough materials science with scalable deployment programs, The Wildfire Guardian™ helps reduce insurance dependency, lower long-term costs, and provide true peace of mind in high-risk zones.