“Weather pattern influences, including last winter's dry, low snowpack season contribute to the impending danger of wildfires,” says Jeffrey Berino, deputy chief with Colorado's Lake Dillon Fire District and senior fire investigator at Pie Consulting & Engineering. “Another factor is [last] year's wildfires began before wildfire season officially commenced on May 21. In fact, before the end of February, a call came in for the first wildfire of the year, which was caused by a lightning strike in the Southwest.”

It's no coincidence that 2012 was the warmest year on record for the U.S. According to the National Climatic Data Center in Asheville, N.C., last year's heat broke the previous record set in 1998. The National Interagency Fire Center (NIFC) also reports sweltering summer temperatures contributed to 2012's massive wildfires, which burned an area roughly equivalent to Massachusetts and Connecticut combined—or about 9.2 million acres.

One state severely impacted was Colorado, which saw 12 wildfires in 2012, including the Waldo Canyon Fire, which was the most destructive in the state's history. The Waldo Canyon forest fire started 4 miles northwest of Colorado Springs on June 23, 2012, and it was still considered active as late as August 27, 2012. In addition to causing more than $350 million in insured losses and consuming 346 homes, the fire necessitated the evacuation of 32,000 residents in Colorado Springs and adjacent mountain communities.

Insurers could see fires of similar magnitude this season but for now, it's simply too early to tell. If climate change is taken into account, however, wildfire losses could become more difficult to control—and ultimately extinguish—in the years to come. This would impact loss severity and insurance premiums.