To reduce CO2 emissions and save grey energy, natural materials like wood and wooden materials are becoming more and more important. However, these products are particularly sensitive to moisture, as they can be attacked by mould or decay fungi. In contrast to mould growth, which typically is associated with visual impairment and health problems, the growth of decay fungi may result in structural defects which clearly must be excluded. Up to now it is mostly assumed that wooden materials are more sensitive to such attack than solid wood. Therefore, different wood fibre insulation materials were inoculated with decay fungi and exposed to different climates to determine the requirements for the decay process and to compare them with the requirements of decay by the same fungi of solid wood. The results prove that some natural fibre materials are equally or even more resistant to decay fungi than solid wood, while others are less. The resistant products can therefore be assessed like solid wood – for which already temperature dependent thresholds and in part also transient decay prediction models are available. Maybe even specific higher moisture levels can be acceptable. However, the results also suggest a differentiated view on natural fibre insulations, as they have a very different susceptibility to wood decay. Uniform and significantly lower limits than for solid wood are not justified.