What causes the majority of property damage in fires?

The majority of property damage in fires is attributed to structure fires because these fires involve the buildings themselves, including residential homes, commercial spaces, and industrial facilities. When a structure catches fire, it typically leads to extensive damage due to the combustion of building materials, furnishings, and other contents within the structure. Such fires often result in not just the loss of the property itself but also substantial financial costs in repairs, loss of personal belongings, and the potential for loss of life.

Structure fires can be caused by various factors, including faulty wiring, improper use of heating equipment, and human error, making them a common and significant source of fire-related property damage. In contrast, while vehicle, outdoor, and electrical fires can cause damage, they generally result in less widespread destruction compared to a fire that engulfs a building. This distinction highlights why structure fires lead to greater financial and physical loss in the context of property damage.