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Cotality wildfire risk suite

Property-level wildfire risk for confident underwriting

Across the U.S., communities and insurance portfolios face growing wildfire exposure. Cotality Wildfire delivers property-level wildfire risk intelligence through wildfire risk scores, supporting more accurate underwriting, pricing, portfolio, and long-term portfolio resilience.

Wildfire intelligence

Wildfire risk managed with precision

Eliminate blind-spots with property-level wildfire risk intelligence. Our wildfire risk scores help insurers price more accurately, optimize portfolio concentrations, and streamline underwriting workflows, reducing unexpected losses while minimizing manual visits.
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Sharpen your perspective

Our property-level wildfire risk scores provide a clearer view of wildfire exposure, helping insurers improve pricing, underwrite with greater confidence, and reduce unexpected losses.

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Strengthen your portfolio

Navigate wildfire risk with confidence. Property-level wildfire risk intelligence helps identify growth opportunities, balance portfolio concentrations, and improve portfolio resilience across wildfire-prone regions.

How we do it

Cotality Wildfire: unified and comprehensive wildfire intelligence

Wildfire Risk Score

Our flagship Wildfire Risk Score delivers property-level wildfire risk intelligence using vegetation, wind, drought, topography, and historical fire behavior to provide a clearer understanding of wildfire exposure for more confident underwriting

Independent Mitigation Information

Access prefilled mitigation information including defensible space, roof class, and tree overhang at the property-level, providing a clearer context and more informed underwriting decisions.

Wildfire Conflagration Score

Gain deeper insight into the drivers of building-to-building wildfire spread. Used alongside the Wildfire Risk Score, the Wildfire Conflagration Score provides a more complete view of wildfire risk—supporting more informed underwriting decisions, targeted portfolio growth, and greater portfolio resilience

Cotality Wildfire Score

Simplify risk assessment with a single, decision-ready score. The Cotality Wildfire Score combines the Wildfire Risk Score and Wildfire Conflagration Score into one unified view, supporting faster underwriting, confident risk selection, and more informed portfolio decisions

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.
Flexible implementation

Data transparency & flexible implementation

One solution. Two implementation approaches

Choose the implementation approach that best fits underwriting workflows. Use the composite Cotality Wildfire Score for simplified underwriting and rapid risk selection, or combine the Wildfire Risk Score and Wildfire Conflagration Score for deeper portfolio segmentation and greater visibility into wildfire risk drivers.

FAQ

How can insurers accurately price and underwrite wildfire policies?

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How can carriers safely manage and grow portfolios in fire-prone regions?

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How does Cotality speed up the underwriting process and lower costs?

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How do specific home improvements impact a property's wildfire risk score?

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How do insurers get in touch for Cotality wildfire solutions?

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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.