Three incremental changes over the past 100 years (an accumulation of vegetative fuels, development in fire dependent landscapes, and increasing vapor pressure deficit) have combined to induce conflagration levels of life and property loss in the wildland-urban interface (WUI). Following our third standard firefighting order (Base all actions on current and expected behavior of the fire.) requires us to prepare for roughly five decades of wildfire activity where the average wildfire acreage and correlating property losses will be 2-3 times our peak lived experience. In response to present and future losses, the insurance market (to whom we transfer the risk of property loss through insurance policies) is reducing or withdrawing from writing policies due to WUI community vulnerability it only partially understands. Reducing WUI community vulnerability can only be achieved through mitigation-driven resilience that disrupts the loss sequence of conflagrations. The majority of these mitigations must be completed by property owners, but partial understanding in the insurance markets is keeping the value of WUI mitigations from being “seen” and therefore valued in the pricing of risk.