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 by Departments of Insurance in:
- Massachusetts
- Connecticut
- Alabama
- Louisiana
- Tennessee
- Mississippi
- South Carolina
We are actively filing in additional states to support nationwide underwriting.
Does the Fire Resiliency scoring model evaluate both residential and commercial properties?
Yes. Fire Resiliency evaluates both residential and commercial properties down to the structure level. Underwriters can perform manual address lookups via our web interface or utilize our online batch solution to calculate structural fire risk for multiple properties in a single submission.
Does Fire Resiliency account for wildfire risk?
No. Fire Resiliency is engineered strictly for non-weather fire perils like accidental, electrical, and internal fires. Wildfire risk is assessed separately through our Wildfire Risk Suite, allowing underwriters to isolate everyday structural vulnerabilities from catastrophic regional hazards.
How does the Fire Resiliency score calculate structural fire risk for underwriting?
Fire Resiliency predicts non-weather fire claim probability and classifies property-level fire protection. Updated quarterly, the solution leverages Cotality’s property data ecosystem alongside 2.2 million fire incident reports from 53,000+ fire stations to calculate three distinct metrics on a 0–100 scale:
- Fire Resiliency Score: Represents overall structural risk.
- Frequency Score: Represents the likelihood of a claim being filed.
- Severity Score: Represents the potential financial impact of a claim.
How often are Cotality's Fire Resiliency scores updated?
Fire Resiliency scores are continuously updated to reflect structural modifications, changes in local fire protection services, and evolving environmental factors. This ensures underwriters have the most current resiliency data for both new business quotes and policy renewals.
How do we integrate Fire Resiliency data and what are the technical requirements?
Insurers can access Fire Resiliency data via the RiskMeter™ web interface or by integrating our RESTful Spatial API (powered by the PxPoint™ geocoder) directly into their Policy Administration System (PAS). Register at the Cotality Developer Portal for documentation, sandbox keys, and batch-upload capabilities.
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.
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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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