Fire Resiliency™
Fire protection and risk assessment
Property-level fire protection data and risk
Predict loss severity in the event of non-weather-related structural fires with Cotality’s Fire Resiliency — an address-level risk scoring model.
This AI-driven solution analyzes unique structural characteristics, geographical and fire history data, and community fire response data to determine the probability of total loss in the event of a non-weather-related fire event.


Make a difference with the right data
Fire Resiliency processes institutional quantities of fire protection and building characteristic data to give insurers a robust understanding of the probability of properties succumbing to total loss during a non-weather-related house fire.

Enhanced usability with AI-Driven assessment
Our AI-driven Fire Resiliency scoring model analyzes large datasets to assess property resilience at the address level. This streamlines policy considerations, so you don't need to sift through massive data.

Leverage updated fire protection data
Our comprehensive U.S. fire station database, which contains over 53,000 fire stations and 29,000 fire response areas, is updated quarterly to provide the most accurate view of fire station location, staffing, and response jurisdictions.

Get accurate fire resiliency evaluation
Our model uses Property Enriched™, aligning multiple data sources to identify properties not in public records. This provides a “single source of truth” and identifies key building characteristics for accurate fire resiliency.

Enhanced usability with AI-Driven assessment
Our AI-driven Fire Resiliency scoring model analyzes large datasets to assess property resilience at the address level. This streamlines policy considerations, so you don't need to sift through massive data.
Leverage updated fire protection data
Our comprehensive U.S. fire station database, which contains over 53,000 fire stations and 29,000 fire response areas, is updated quarterly to provide the most accurate view of fire station location, staffing, and response jurisdictions.
Get accurate fire resiliency evaluation
Our model uses Property Enriched™, aligning multiple data sources to identify properties not in public records. This provides a “single source of truth” and identifies key building characteristics for accurate fire resiliency.
FAQ
In which states has Fire Resiliency been filed and approved?
Fire Resiliency is currently filed and approved in Massachusetts, Connecticut, Alabama, Louisiana, and Tennessee. Expanding this footprint is a top priority; we are actively engaging with state regulators to grow our reach while supporting our carrier partners throughout the filing process. Our goal is to ensure carriers nationwide can leverage this property-level intelligence to achieve greater underwriting precision and more competitive, risk-aligned pricing.
Does Fire Resiliency apply across different property types?
Yes, Fire Resiliency is designed to provide property-levelinsights across our entire national database, encompassing both residential andcommercial properties. The model serves as a consistent risk-assessmentframework for our carrier partners, allowing them to evaluate the uniquestructural resiliency of any building within their portfolio, regardless of itsuse.
Does Fire Resiliency account for wildfire risk?
Fire Resiliency is specifically engineered for non-weatherfire perils, such as accidental, electrical, and internal fires. Since wildfirerepresents a distinct catastrophic threat, we address it separately through ourWildfire Risk model. This distinction allows our carrier partners to isolate"everyday" structural vulnerabilities from regional hazards,providing a clearer, more actionable view of a property's total fire exposure.
How do Peril Frequency and Loss Severity factor into the Fire Resiliency score?
Fire Resiliency is built on a multi-dimensional ensemblethat analyzes both the likelihood of an event occurring and the predictedimpact. Every property receives an overall score as well as a breakout of aPeril Frequency score and a Loss Severity score. This approach ensures that aproperty’s score isn't just a static hazard flag, but a reflection of thespecific relationship between a property’s unique features, regionalcharacteristics, and local fire protection.
How often are the Resiliency scores updated?
Maintaining accuracy requires a dynamic approach to data. Wecontinuously refresh our models underlying data to reflect structural updates,changes in local fire protection services, and evolving environmental factors.This ensures that our carrier partners are always working with as recent a viewas possible of a property’s resiliency, whether they are evaluating a new pieceof business or managing a renewal book.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
Trying to reach us by phone?
Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
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Visit our dedicated support page to find support for all our products.