With a mild winter, relatively warmer weather in general, and drought conditions expected to continue in 2013, the Insurance Institute for Business & Home Safety (IBHS) is urging home and business owners to take action now to effectively reduce their wildfire risk. Wildfire losses have been on the rise during the past couple of years in several states, with Colorado, Texas and Wyoming being particularly hard hit, according to Julie Rochman, IBHS president and CEO.