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 WildfireTM 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, and weather patterns.
Wildfire conflagration score
Beyond the urban edge: full-spectrum risk assessment tracking fire dynamics from open country to high-density neighborhoods.
Wildfire mitigation score
Quantifies the risk-reduction impact of property hardening, defensible space, and structure-level resilience for California.
Independent mitigation information
Instant prefilled property attributes including defensible space clearance, roof material, 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 assess and underwrite wildfire policies?
Insurers utilize Cotality's property-level intelligence to accurately evaluate wildfire risk. 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 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.
Cotality accelerates underwriting by utilizing automated risk scores to efficiently screen propertie
Protective steps like creating defensible space or installed hardened roofs are captured via Independent Mitigation Information, or quantified within the Cotality Wildfire Score, Wildfire Conflagration Score, and Wildfire Mitigation Score, scored from 1-100 based on these specific improvements, allowing for customiaed policy credits.
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