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RACHEL MARTIN, HOST:

This is WEEKEND EDITION from NPR News. I'm Rachel Martin.

One year ago, Colorado suffered one of the most destructive wildfires in its history. The blaze consumed 259 homes in the rural area northwest of Fort Collins, Colorado, and yet only 10 households have finished rebuilding.

Grace Hood of member station KUNC has the story.

GRACE HOOD, BYLINE: As Gary and Martha Lemert sort through photographs from the High Park Fire, it takes just one before and after shot to convey the complete devastation of their 10-acre property.

GARY LEMERT: This was our sunroom which was right out back there. And that's what we had left after the fire.

HOOD: What was left was a green roof that looks like it's been melted on top of gray rubble. All told, the Lemerts lost eight buildings, including a garage and a guest house.

G. LEMERT: The first three weeks after it happened, I was like a zombie. And I said no way am I going back up there and try to, you know. But how do you give this up?

MARTHA LEMERT: You get lots of daylight, and you get quiet, and you get to hear birds.

G. LEMERT: You know, it's beautiful.

HOOD: Today, the Lemerts are settled into a new manufactured home on the same land. They say that helped speed up the process. But they also ran into snags paying off their old mortgage, a burden many wildfire survivors have.

M. LEMERT: We could not have replaced all the outbuildings and everything. We were about $100,000 short of being able to do all of that.

HOOD: Insurance woes, money, and time are three major obstacles preventing many High Park Fire survivors from rebuilding. Add on a thick layer of emotions and you start to get a picture of the ongoing challenges, something Dale and Marilyn Snyder are intimately familiar with.

DALE SNYDER: After you have an event like this, people think one year is a long time. It's a blink of the eye, believe me, with everything that you have to do.

HOOD: The Snyders are part of more than 80 percent of property owners who have either decided not to rebuild or are taking their time in planning new construction. Part of their delay comes from the fact that it's nearly impossible to replace their old home - a converted barn.

MARILYN SNYDER: Without finding an old barn and having it brought in and - which, the expense. We couldn't do that.

HOOD: It doesn't help that the Snyders were underinsured by about $70,000. Instead of rebuilding, Dale and Marilyn Snyder spent much of the last year advocating for insurance reform, which was recently signed into law by Colorado's governor. According to the most recent survey of High Park property owners who sustained damage, more than 42 percent were underinsured - meaning their policies didn't cover all of their property replacement costs.

SUZANNE BASSINGER: That's a big financial impact. And some people are just starting to figure out whether they can afford to rebuild.

HOOD: Suzanne Bassinger is recovery manager for the fire. She says the county has made things a bit easier: Homeowners don't have to deal with new building codes or restrictions as they move forward.

BASSINGER: Larimer County, I believe, is big on allowing people to make decisions for themselves and I think that's a good thing. We provide lots of information, lots of support. But it still comes down to the landowner in most cases to decide what they want to do.

G. LEMERT: We're healing up pretty good here - green and all that.

HOOD: Gary and Martha Lemert have made a lot of changes, from adding firebreaks to their landscaping to fiber cement siding on their new home. Their attention is now focused on removing burnt and dying trees on their heavily wooded property. Looking out from a second story picture window, most of these trees are off in the distance. But just yards away there's a tall, skinny Ponderosa pine charred black as ink.

G. LEMERT: And it was just beautiful, the shape and everything. And I'm just... (chuckling) I have a hard time cutting it. I'm going to take it down.

HOOD: But not ready to do that?

G. LEMERT: Not ready to do it yet. It's like a kid.

HOOD: Even for the most determined residents of this area, there are still limits to the work that can be done within the first year of such a devastating fire.

For NPR News, I'm Grace Hood.

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