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‘Herd immunity’: Pushing a coastal neighborhood to turn out to be fireproof after the Palisades fireplace

whysavetoday by whysavetoday
November 13, 2025
in Real Estate
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‘Herd immunity’: Pushing a coastal neighborhood to turn out to be fireproof after the Palisades fireplace
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Sundown Mesa, the scenic neighborhood tucked on a bluff between Malibu and Pacific Palisades, would possibly by no means be the identical within the wake of the Palisades fireplace.

However resident Karen Martinez sees one potential change as an excellent factor.

The January fireplace torched about 80% of the neighborhood’s 500 properties — nearly all of them wood-framed. Now, as residents start the lengthy technique of rebuilding, Martinez is pushing her neighbors to chuck the lumber and construct with noncombustible supplies as an alternative.

The objective? The housing equal of herd immunity, the place sufficient properties are fireproof that the complete neighborhood might be protected in opposition to future fires. Your house is way safer in case your next-door neighbors’ homes aren’t burning down and sending fiery particles and showers of embers into the air.

The advantages of herd immunity stretch past fireplace protection; some insurance coverage corporations have signaled that they’re open to insuring extra properties — at cheaper charges — in neighborhoods that characteristic greater percentages of fireproof properties.

Rogelio Ramos installs a segment of fire resistant Perfect Block at the start of construction of Karen Martinez's home.

Rogelio Ramos installs a phase of fireside resistant Excellent Block firstly of development of Karen Martinez’s residence within the Sundown Mesa neighborhood in Malibu.

(Genaro Molina / Los Angeles Instances)

For the final yr, Martinez, 62, has turn out to be an evangelist for insulated composite concrete varieties (ICCF), a constructing materials constituted of concrete and expanded polystyrene (Styrofoam). She’s been holding Zoom conferences for neighbors, proselytizing simply this month when she hosted a neighborhood potluck the place 70 individuals watched her lay the primary few Excellent Blocks of her fireproof residence.

“I need individuals to know they’ve choices,” Martinez stated. “We don’t should rebuild with one thing that’s going to burn once more.”

…

A Palisades resident for many years, Martinez moved to Sundown Mesa in 2022 following the loss of life of her husband. She’d been conscious of ICCF for years, so when her three-bedroom home on Surfwood Street burned down in January, she already knew she wished to rebuild with it.

In Southern California’s fire-stricken panorama, a handful of fireproofing tendencies have emerged — from high-tech options akin to fire-retardant sprinkler programs, to new constructing supplies akin to hempcrete or mass timber, giant paneled beams of wooden that burn slowly at a charge of a half-inch each hour, giving firefighters extra time to cease the hearth.

Martinez selected ICCF for 2 causes. For one, it’s fireproof — noncombustible with a four-hour fireplace ranking. It’s additionally comparatively low-cost — Martinez paid $27 per block, and her 1,956-square-foot rebuild would require round 600 blocks, which stack like Legos, forming a grid with hole cores which are then full of concrete and rebar.

In complete, the shell of her fireproof residence price round $16,000, and the rebuild will price lower than $400 per sq. foot.

“I’ve gotten a number of quotes, and this materials is the least costly by far,” Martinez stated, taking within the ocean view whereas watching her workforce pour concrete the day earlier than her potluck. “Going ahead, I’d wish to see each single home on this neighborhood constructed with noncombustible materials.”

Along with the blocks, the house will characteristic a light-weight metal roof and dual-pane home windows with aluminum frames.

Her months-long campaign has introduced in a number of believers, together with two neighbors who personal the heaps subsequent to hers. They’re each planning to rebuild with the composite concrete blocks.

In complete, she stated round 15 individuals in Sundown Mesa alone are planning to rebuild with ICCF, in addition to 15 extra in Pacific Palisades and Altadena. Martinez claims many extra Sundown Mesa residents need to, however they’ve been talked out of it by their architects and contractors, who aren’t aware of the fabric and declare it’ll decelerate their rebuilds.

In equity, for Martinez, it did. The fabric is permitted within the metropolis of Los Angeles because it has a Los Angeles Analysis Report, a evaluation required by the L.A. Division of Constructing and Security to verify a cloth is secure to make use of. However since Martinez’s residence sits within the unincorporated neighborhood of Sundown Mesa, permits are dealt with by L.A. County, which requires a separate report guaranteeing that ICCF meets code necessities.

Eco Constructing Methods, the corporate that manufactures the concrete blocks Martinez is utilizing, didn’t have one. So she took it upon herself to get them one — even fronting the $12,000 utility charge (which was finally returned to her via a reduction on the blocks).

Sunset Mesa community members gather at Karen Martinez's home, lost in the Palisades fire, being rebuilt with Perfect Block.

Members of the Sundown Mesa neighborhood collect at Karen Martinez’s homesite.

(Genaro Molina / Los Angeles Instances)

The method took months. However now that the report is finished, others in Sundown Mesa may have a a lot faster time securing constructing permits.

“I used to be the guinea pig,” she stated. “Now, everybody can use it.”

…

Analysis reveals that within the context of a hearth, properties typically burn or survive as a group.

California’s wind-driven fires unfold by way of embers. If one home units ablaze, the home subsequent door is more likely to burn. But when a home is fireproof, it could actually act as a defend for the susceptible wooden properties behind it.

It’s the rationale that newly constructed neighborhoods akin to Orchard Hills in Irvine require greater fireproofing requirements for properties on the outer rim of the neighborhood.

The idea of communitywide home-hardening has been dubbed “herd immunity,” a disease-related phrase that means that if a big sufficient portion of a inhabitants is resistant to a virus, it turns into tough for an an infection to unfold.

It’s a phenomenon that Victor Joseph, chief working officer of Mercury Insurance coverage, thinks about repeatedly. Joseph attended Martinez’s potluck and stated he’s been stunned by the variety of individuals in Sundown Mesa and the Palisades who’re critical about rebuilding with noncombustible supplies.

“They’ve been proactively participating us to determine the way to rebuild in a approach that can be accepted by insurance coverage corporations,” he stated, including that he’s hosted two Zoom conferences for locals, every drawing about 100 individuals.

Over the summer season, Mercury launched a reduction for properties that meet its fireproof requirements: 50% off for the hearth portion of a house insurance coverage plan for homes constructed to be noncombustible. The corporate additionally provides a 15% neighborhood low cost for neighborhoods that meet its necessities.

Joseph defined that insurance coverage corporations typically keep away from insuring too many properties in a given space as a result of if all of them get destroyed, the claims can be too costly to pay out. It’s the age-old rule of not placing all of your eggs in a single basket.

However should you construct sufficient fireproof properties to attain herd immunity, Mercury can justify insuring extra properties — and at cheaper charges.

“If 30 fireproof properties are unfold throughout the Palisades, we’d be completely satisfied to insure, however the advantages gained’t be as vital,” he stated. “However when you’ve got 30 fireproof properties clustered on two blocks? That’s fascinating.”

…

Sunset Mesa resident Anita Clark, 91 listens as Karen Martinez, off camera, make a presentation.

Sundown Mesa resident Anita Clark, 91, who misplaced her residence within the Palisades fireplace, listens as Karen Martinez makes a presentation urging members of the Sundown Mesa neighborhood to rebuild properties with noncombustible supplies.

(Genaro Molina/Los Angeles Instances)

Sundown Mesa is at a precipice. As of early November, 9 constructing permits have been issued locally, in keeping with the L.A. County Planning Division, with a whole bunch of properties nonetheless within the planning section.

To Martinez, which means an opportunity for a whole bunch of house owners to construct in a approach that protects not solely their properties, however their neighborhoods. To Robert Dugan, CEO of the California Building and Industrial Supplies Assn., it’s an opportunity to push a neighborhood into changing into a mannequin for the remainder of California.

“Each home issues. If we are able to get certainly one of each 5 properties, or certainly one of each two properties, to construct noncombustible, the danger paradigm adjustments dramatically,” he stated. “Each home constructed with fireplace resilience in thoughts is perhaps the place the place the hearth stops.”

For a lot of fireplace victims, a lot of whom are nonetheless residing in motels or renting properties, constructing with wooden is smart. It’s the quickest, typically most cost-effective solution to get again residence. So Dugan stated it’s vital for the fireproofing business to make the selection simpler for householders, which incorporates lining up architects and contractors who’re able to construct noncombustible properties.

As a volunteer with the Crimson Cross, he helped construct three properties in Paradise with ICCF and stated they will appear to be some other residence. Martinez’s property can be stucco on the outside, drywall on the within. You gained’t be capable to inform it’s fabricated from ICCF.

Within the meantime, Martinez continues to be settling into her function as homebuilder/advocate/microinfluencer. Along with fixed dialogue together with her neighbors, she just lately launched an Instagram account with the deal with @palisadesfirerebuild to doc her journey.

A couple of months in the past, Martinez was recognized with stage 4 metastatic most cancers — a byproduct of a five-year battle with uveal melanoma. Her tumors are gone, however the worry of getting sick once more is including to the urgency of her mission.

She obtained her constructing allow in late October, poured concrete Nov. 7, and laid the primary of the ICCF blocks the next day. She plans to complete the house in a yr, capturing for subsequent summer season.

“After the prognosis, a part of me requested if I ought to take it simple,” she stated. “However I need to present that that is potential. I’m plowing ahead to complete this and make a distinction.”



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Tags: CoastalcommunityFIREfireproofHerdimmunityPalisadespushing
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