Master wildfire risk with property-level scores
Wildfire threats endanger property portfolios. Master risk assessment and protect underwriting profitability with granular hazard risk scores.

Transform underwriting with high-fidelity risk scores
Wildfire exposure demands hyper-local clarity. Cotality risk scores evaluate terrain, vegetation, and structure-level vulnerability to give underwriters actionable insights, eliminating underwriting blind spots and protecting capital against severe wildfire losses.

Manage wildfire risk with unmatched scoring precision
Cotality wildfire score
Unified risk score combining hazard exposure and conflagration potential into one actionable metric for rapid underwriting.
Wildfire risk score
Property-specific hazard score driven by fuel, slope, weather patterns, and historical fire behavior data.
Wildfire conflagration score
Advanced urban-interface scoring that measures structure-to-structure fire spread risk and high-density accumulation.
Wildfire mitigation score
Quantifies the risk-reduction impact of property hardening, defensible space, and structure-level resilience.
Independent mitigation information
Instant prefilled property attributes including defensible space clearance, roof material risk, and vegetation overhang.
Flexible risk score deployment & delivery

Deploy risk scores seamlessly via API or batch processing. Choose the unified Cotality Wildfire Score for rapid quote generation, or leverage granular score components to conduct in-depth risk re-analysis and minimize basis risk across portfolio segments.
FAQ
How can insurers accurately price and underwrite wildfire policies?
Insurers utilize Cotality's property-level intelligence to accurately price wildfire policies. By filling critical data gaps with granular hazard analytics, underwriting teams can remove guesswork, assess a property's true exposure, and implement risk-aligned pricing across their entire portfolio.
How can carriers safely manage and grow portfolios in fire-prone regions?
Cotality's data-driven risk assessments allow carriers to identify strategic safe zones for growth in fire-prone regions. By actively balancing concentrations of insured properties, insurers can maximize their market opportunity while successfully minimizing overall catastrophic exposure and reinsurance costs.
How does Cotality speed up the underwriting process and lower costs?
Cotality accelerates underwriting by utilizing automated risk scores to efficiently screen properties. This data-driven triage significantly reduces reliance on expensive, time-consuming in-person site visits, lowering operational costs while maintaining underwriting discipline and pricing accuracy.
How do specific home improvements impact a property's wildfire risk score?
Protective steps like creating defensible space or installing hardened roofs are quantified using the Wildfire Mitigation Score and Independent Mitigation Information. Cotality scores a property from 1 to 100 based on these specific improvements, allowing for customized policy credits.
How do insurers get in touch for Cotality wildfire solutions?
for Cotality wildfire solutions? Insurers can initiate integration by utilizing the direct contact form on the Cotality website, calling the dedicated enterprise sales line, or visiting the technical support page for comprehensive documentation on our wildfire modeling solutions.
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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