{
  "id": "riskg-wildfire-exposure",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-wildfire-exposure",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Wildfire Exposure",
      "shortDefinition": "Wildfire exposure describes the hazard posed to buildings and outdoor installations by uncontrolled vegetation fires in forest-edge and drought-prone areas, and the protection measures derived from it.",
      "synonyms": [
        "Wildland fire risk",
        "Bushfire exposure"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Natural hazards",
        "Risk assessment"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "riskg-outdoor-storage"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/wildfire-exposure/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/wald-flaechenbrand-exponierung/",
      "body": "## Hazard picture\n\nVegetation fires develop during prolonged drought and high temperatures, are predominantly caused by human activity, and spread along forest and grassland areas. Buildings located in the wildland-urban interface are particularly exposed to ember showers landing on combustible roofing, radiant heat affecting façades, and ignition of vegetation and material stockpiles close to the building.\n\n## Protection measures\n\nA vegetation-free or reduced-fuel buffer zone around buildings limits direct flame impingement; non-combustible roofing and façade materials, together with sealing roof openings against ember intrusion, further increase resilience. Combustible outdoor storage (timber, packaging) should be kept at an adequate distance from buildings, and firefighting water reserves and access routes must be kept clear.\n\n## Insurance relevance\n\nAlthough large-scale wildfires are less frequent in Switzerland's fragmented landscape than in southern European countries, exposure is increasing with prolonged dry periods. Property insurers are giving growing weight to wildland-urban interface exposure when assessing risk at affected locations."
    },
    "de": {
      "id": "riskg-wildfire-exposure",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Wald- und Flächenbrandexponierung",
      "shortDefinition": "Wald- und Flächenbrandexponierung bezeichnet die Gefährdung von Gebäuden und Aussenanlagen durch unkontrollierte Vegetationsbrände in Waldrand- und Trockengebieten und die daraus abgeleiteten Schutzmassnahmen.",
      "synonyms": [
        "Waldbrandrisiko",
        "Wildfire Exposure"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Naturgefahren",
        "Risikobewertung"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "riskg-outdoor-storage"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/wald-flaechenbrand-exponierung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/wildfire-exposure/",
      "body": "## Gefährdungsbild\n\nVegetationsbrände entstehen bei anhaltender Trockenheit und hohen Temperaturen überwiegend durch menschliches Handeln und breiten sich entlang von Wald- und Grasflächen aus. Gebäude in der Wald-Siedlungs-Schnittstelle sind besonders gefährdet durch Funkenflug auf brennbare Bedachungen, Wärmestrahlung auf Fassaden sowie die Entzündung von Vegetation und Materiallagern in unmittelbarer Gebäudenähe.\n\n## Schutzmassnahmen\n\nEin vegetationsfreier oder -armer Schutzstreifen um Gebäude reduziert die direkte Flammeneinwirkung; nichtbrennbare Bedachungen und Fassadenmaterialien sowie der Verschluss von Dachöffnungen gegen Funkenflug erhöhen die Widerstandsfähigkeit zusätzlich. Brennbare Aussenlagerungen (Holz, Verpackungen) sollten mit ausreichendem Abstand zum Gebäude platziert werden; Löschwasserreserven und Zufahrten für die Feuerwehr sind freizuhalten.\n\n## Versicherungsrelevanz\n\nAuch wenn grossflächige Waldbrände in der kleinräumig strukturierten Schweizer Landschaft seltener sind als in südeuropäischen Ländern, nimmt die Gefährdung mit anhaltenden Trockenperioden zu. Sachversicherer berücksichtigen die Exponierung an der Wald-Siedlungs-Grenze zunehmend in der Risikobeurteilung exponierter Standorte."
    }
  }
}