The Hidden Fire Hazard: Real Christmas Trees and Fire Safety

Here at Salt Jacket, we know the holiday season is all about tradition, togetherness, and of course—your Christmas tree. Whether it’s the sweet smell of pine or the warm glow of lights that draws you to the real thing, there’s something undeniably special about a fresh tree in your home. But here’s the catch: real Christmas trees can be a fire hazard if you’re not careful.

While we’d never want to rain on your holiday parade, it’s important to remember that a dry tree—combined with faulty lights or heat sources—can turn your cozy holiday setting into a disaster. This is where a little extra awareness goes a long way in protecting your family, home, and the holiday cheer.

Let’s break down the risks and how you can keep your tree—and your home—safe this season.

Why Real Christmas Trees Are a Fire Risk

Real Christmas trees are beautiful, but they’re also a bit high maintenance when it comes to fire safety. Unlike artificial trees, which are typically fire-resistant, real trees are highly flammable once they start to dry out. The National Fire Protection Association (NFPA) reports that Christmas trees—both real and fake—cause an average of 160 home fires every year. A dry tree can go up in flames faster than you think, and if a spark from a nearby candle or a malfunctioning light set it off, the fire could spread rapidly.

The Speed of a Tree Fire: What You Need to Know

A dry Christmas tree burns quickly. We're talking about seconds to minutes for the whole tree to go up in flames. The risk is even higher if you’re using older lights or have overloaded electrical outlets. So, while you might be enjoying the beauty of your tree, it’s important to remember that a little negligence can turn your Christmas joy into a nightmare.

Easy Steps to Keep Your Tree Safe

We don’t want to scare you—just make sure you’re taking simple precautions that can keep your tree—and your whole home—safe.

1. Pick a Fresh Tree
   The fresher the tree, the less likely it is to dry out and become a fire hazard. Look for a tree with vibrant green needles that don’t snap easily. Give it a quick shake—if lots of needles fall off, it’s probably too dry. And before you set it up, make a fresh cut at the base to help the tree absorb water better.

2. Water, Water, Water
   Once the tree’s in place, make sure to keep it hydrated. A well-watered tree is less likely to catch fire. Check the water level every day—don’t let the tree go dry, as a thirsty tree is a fire-prone tree.

3. Keep It Away from Heat
   Position your tree away from heat sources like fireplaces, space heaters, or radiators. These can dry out the tree, making it more likely to catch fire. And while candles are part of the charm, make sure they’re nowhere near your tree. Even a small spark could cause major damage.

4. Check Your Lights
   Before you hang up the lights, do a quick inspection. Look for frayed wires, broken bulbs, or exposed connections. Opt for LED lights, which generate less heat and are much safer. And don’t overload outlets—fewer, well-placed lights are better than a tangled mess of wires.

5. Switch Off Lights When Not Home
   When you leave the house or head to bed, turn off the tree lights. It might sound simple, but it makes a big difference. If you’re forgetful, invest in a timer to automatically shut them off when you’re not around. Less chance of overheating, and a better night’s sleep!

6. Dispose of Your Tree Safely
   Once the holidays are over, don’t leave that tree sitting around. A dry tree is a serious fire hazard. Check with your local recycling center for tree disposal services and make sure to get rid of it right away. And whatever you do, never burn it in the fireplace—those dry needles can go up in a flash.

Your Insurance: What’s Covered in Case of Fire?

We get it—fires are scary, and no one wants to think about the worst-case scenario. But here’s the good news: if a fire does happen, your homeowners insurance will likely cover the damage (depending on your policy). It’s important to understand exactly what’s included, so there are no surprises if the worst happens.

Here’s what to keep in mind:

• Fire Coverage: Most standard homeowners policies cover fire damage, but you’ll want to double-check your specific coverage to be sure. If your tree or decorations cause a fire, your home’s structure and belongings should be covered—just be sure to keep your policy up-to-date.

• Liability Protection: Hosting holiday parties? If someone is injured by a fire caused by your Christmas tree, liability coverage in your policy can help with medical expenses or legal fees. Always better to be safe than sorry.

• Personal Property Protection: Your personal items—think electronics, furniture, and family heirlooms—are covered under personal property protection if they’re damaged by fire. This ensures you can replace lost or damaged items without too much financial strain.

• Replacement Cost vs. Actual Cash Value: Know whether your insurance covers replacement costs (the cost to replace items with new ones) or actual cash value (the depreciated value of damaged goods). Replacement cost coverage will save you more money in the long run.

Celebrate Safe, Celebrate Smart

Real Christmas trees are a beautiful holiday tradition, but don’t let the festive spirit overshadow the need for safety. With a little care and attention, you can enjoy your tree without worry and keep your home and family safe from fire hazards.

And while you're preparing for the holidays, don’t forget to review your insurance coverage. At Salt Jacket Insurance, we’ve got your back, ensuring that no matter what the season brings, you’re covered with the right protection. 

If you have any questions about your coverage, please give us a call. From all of us here at Salt Jacket, wishing you a very Happy Holidays!