Property insurance

Wildfire risk is rising - and so is the need for clarity.

Across the U.S., communities and insurance portfolios face growing exposure to wildfire. Losses may be inevitable, but they don’t have to be unmanageable. Our wildfire suite delivers property-level insights—so you can reduce impact, protect assets, and build long-term resilience.
in_home_mode

Sharpen your perspective

No more guesswork. Our wildfire risk tools fill critical data gaps, giving you a sharper view of every property’s exposure. With smarter insights at your fingertips, you can price more accurately, underwrite with confidence, and reduce the surprise factor in your losses.

emergency_heat

Strengthen your portfolio

Navigate wildfire risk with precision. From identifying safe zones for growth to balancing concentrations in fire-prone areas, our data-driven assessments help you fine-tune your portfolio—maximizing opportunity while minimizing exposure.

timelapse

Smarten your underwriting

Move faster. Cut costs. Make better calls. Our risk scores and tools streamline your underwriting process—screening properties with ease, reducing the need for site visits, and keeping your workflows agile without sacrificing accuracy.

See beyond vegetation risk

Measure where wildfire risk can jump next. The 1–100 Conflagration Score captures the threat of wildfires transitioning from vegetation to uncontrollable structure-to-structure fires—rounding out your view of property-level exposure.

Talk to an expert
arrow_forward

How we do it

A powerful suite of products to create a solution

Wildfire Risk Score

Our flagship wildfire model delivers property-specific risk scores using hazard, wind, and drought to provide insights the wildfire hazard. Built for clarity and scale across 16 states—so you can evaluate wildfire risk with confidence and act where it matters most.

Independent Mitigation Information

Unlock prefilled information based on mitigation actions - including defensible space, roof class, and tree overhang - at the structure-level giving you smarter data and clearer context for every property.

Wildfire Conflagration Score

Level up with insights that uncover the drivers of building-to-building wildfire spread. Leveraged alongside the Wildfire Risk Score, the conflagration score provides an expanded perspective on wildfire risk—so you can make sharper decisions, target growth in exposed areas, and build a more resilient, better-performing portfolio.

Wildfire Mitigation Score

Mitigation measured. Reveal the impact of structure-level mitigation on risk. From defensible space to hardened roofs, it scores each property 1–100—supporting accurate pricing, underwriting confidence, and compliance with CDI guidelines.

An image depicting a wildfire risk zone of houses

Wildfire Risk Score

Our flagship wildfire model delivers property-specific risk scores using hazard, wind, and drought to provide insights the wildfire hazard. Built for clarity and scale across 16 states—so you can evaluate wildfire risk with confidence and act where it matters most.

A highlighted view of a house and the surrounding vegetation to provide a look at mitigating factors

Independent Mitigation Information

Unlock prefilled information based on mitigation actions - including defensible space, roof class, and tree overhang - at the structure-level giving you smarter data and clearer context for every property.

An example chart showing conflagration risk on an aerial view of an urban city

Wildfire Conflagration Score

Level up with insights that uncover the drivers of building-to-building wildfire spread. Leveraged alongside the Wildfire Risk Score, the conflagration score provides an expanded perspective on wildfire risk—so you can make sharper decisions, target growth in exposed areas, and build a more resilient, better-performing portfolio.

An aerial look at a house and its wildfire mitigating factors into a score

Wildfire Mitigation Score

Mitigation measured. Reveal the impact of structure-level mitigation on risk. From defensible space to hardened roofs, it scores each property 1–100—supporting accurate pricing, underwriting confidence, and compliance with CDI guidelines.

Related Insights (0)

Related Resources (0)

Product Article
Climate risk is reshaping home affordability
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
November 10, 2025
Industry Article
5 reasons to bring your entire restoration team to Cotality INTRConnect 2026
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
October 21, 2025
Industry Article
Get on the right track: Optimize your Cotality™ INTRConnect® 2026 Experience
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
October 15, 2025
Industry Article
Foundation types, soil challenges, and insurance cost considerations: Whitepaper
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
November 5, 2025
Product Article
Underwriting Prefill for residential properties
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
October 6, 2025
Product Article
The new gold rush? How to unlock the 'uninsurable' market
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
September 10, 2025
Industry Article
Building and Construction Newsletter: September 2025
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
October 27, 2025
Industry Article
A new era for wildfire risk models in California
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
August 18, 2025
Industry Article
Building and Construction Newsletter: August 2025
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
October 27, 2025
Product Article
Why updated CAT models defend against uncertainty
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Read article
July 31, 2025
Webinar
60 mins
ACUMA Inside Track Webinar, sponsored by Cotality™. How to succeed in 2026.
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 13, 2025
Webinar
90 mins
Technically Speaking S4 E11: Thermal imaging in water damage
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 5, 2025
Webinar
60 mins
What's new in Cotality Restoration? Q4 2025
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 30, 2025
Webinar
60 mins
Navigating the uncertain waters of the lapse in the NFIP
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 17, 2025
Webinar
60 mins
Collateral risk: UAD 3.6 and 2026 view
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 7, 2025
Webinar
60 mins
Risk mitigation and review reimagined
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 27, 2025
Webinar
90 mins
Technically Speaking S4 E10: Categories of Water
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 28, 2025
Webinar
60 mins
Mercury Network modernization guide
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 29, 2025
Webinar
The non-weather dilemma: A proactive path forward
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 13, 2025
Webinar
How digital workflows calm the chaos of restoration work
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 28, 2025
Webinar
60 mins
From pain to profit: Solving the TRID puzzle with SmartFees
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 7, 2025
Webinar
60 mins
DigitalTax® demo: Refunds reinvented
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 4, 2025
Webinar
37 min
Technically Speaking: S4E7 – Water damage restoration: Maximizing efficiency in the project plan
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 4, 2025
Webinar
45 mins
2025 Annual Fraud Report - A deep dive
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 17, 2025
Webinar
60 min
Busy tax season strategies for mortgage servicers that work
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 10, 2025
Webinar
90 mins
Technically Speaking S4E9: Atmospheric and moisture reading
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
November 4, 2025
Webinar
Looking beyond the new UAD
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 28, 2025
Webinar
45 mins
Making the shift: How to turn environmental risk into a strategic advantage
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
September 19, 2025
Webinar
30 mins
How does collaboration spark innovation? : With Cotality & itel
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 15, 2025
Webinar
60 min
Flood disclosure and communication of risk looking beyond compliance
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 22, 2025
Webinar
30 min
Rebuilding for resilience: An LA wildfire retrospective
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
August 26, 2025
Webinar
60 min
Flood survivors panel: Insights on living through and recovering from natural disasters
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 28, 2025
Webinar
Flood insurance and natural hazard compliance
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
October 28, 2025
Webinar
45 min
Beyond the forecast: Preparing for the 2025 hurricane season
Lorem ipsum dolor sit amet consectetur adipiscing elit quisque faucibus ex sapien.
Watch webinar
August 20, 2025
Button Text

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.

Looking for support?

Visit our dedicated support page to find support for all our products.

Contact details