Fourth of July fireworks safety tips: Protect your family, home and finances
The Fourth of July is a time to celebrate America's independence with backyard barbecues, parades, family gatherings and dazzling fireworks displays. While fireworks are a holiday tradition for many families, they also pose serious risks that can lead to injuries, fires and costly property damage.
Before lighting fireworks this Independence Day, it's important to understand the risks and make sure you're taking the right precautions to protect your loved ones and your home.
Fireworks safety statistics every family should know
According to the U.S. Consumer Product Safety Commission (CPSC), fireworks-related injuries and deaths increased significantly in 2024. An estimated 14,700 people were injured by fireworks and 11 people died in fireworks-related incidents, marking a substantial increase over the previous year.¹ Adults ages 25-44 accounted for the largest share of injuries, while hands, fingers, head and face injuries were among the most common.¹
Even seemingly harmless fireworks can be dangerous. The CPSC estimates that approximately 1,700 emergency room-treated injuries involved sparklers alone in 2024.¹
Fireworks also create a significant fire risk. According to the National Fire Protection Association (NFPA), fireworks started an estimated 32,302 fires in 2023, including structure fires, vehicle fires and outdoor fires. These incidents resulted in $142 million in direct property damage. ²
Does Homeowners insurance cover fireworks damage?
In many cases, Homeowners insurance may help cover accidental fire or property damage caused by legal fireworks. Liability coverage may also provide protection if someone is injured on your property.
However, coverage can vary depending on your policy, your state and local laws and whether negligence was involved. Before celebrating, review your Homeowners insurance policy or speak with your insurance representative to understand what coverage may apply.
Essential fireworks safety tips
Whether fireworks are legal in your area or you're attending a neighborhood celebration, following basic safety precautions can help prevent injuries and property damage.
- Check local fireworks laws before you celebrate
Fireworks laws vary by state and even by municipality. Before purchasing or using fireworks, verify that they are legal where you live and follow all local regulations.
- Never mix fireworks and alcohol
Alcohol impairs judgment and reaction time. Anyone handling fireworks should remain sober and alert.
- Use fireworks outdoors only
Always light fireworks in a clear outdoor area away from homes, vehicles, dry grass, trees and other flammable materials.
- Light one firework at a time
Never ignite multiple fireworks simultaneously. After lighting a firework, move away quickly and maintain a safe distance.
- Keep children at a safe distance
Never allow children to handle fireworks. All children should be closely supervised when near fireworks, including sparklers, and should maintain a safe distance while fireworks are being used.
- Skip old or damaged fireworks
Do not use fireworks that are damaged, wet or have been stored for an extended period. Improperly stored fireworks can become unstable and unpredictable.
- Never relight a dud
If a firework fails to ignite, do not attempt to relight it. Wait several minutes, then soak it thoroughly with water before disposal.
- Keep water nearby
Have a bucket of water, garden hose or fire extinguisher readily available in case of an emergency. Soak all used fireworks before placing them in the trash.
- Consider a professional display
The safest way to enjoy fireworks is to attend a professionally managed public display. Professional shows provide the excitement without the risks associated with consumer fireworks.
The American Pyrotechnics Association maintains a state-by-state fireworks law directory that can help you understand the rules in your area.
Fireworks can create lasting memories, but they can also lead to serious injuries, fires and unexpected expenses. Taking a few extra precautions and understanding your insurance coverage can help ensure your Independence Day celebration stays safe and enjoyable for everyone.
Have a safe and happy Fourth of July!
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