From inevitable losses to unmatched resilience
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.

Wildfire risk managed with precision
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.
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.
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.
A powerful suite of products to create a solution
Wildfire Risk Score
Independent Mitigation Information
Wildfire Mitigation Score
Wildfire Conflagration Score

Meet the latest wildfire conflagration model

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.
FAQ
How can insurers accurately price and underwrite wildfire policies?
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 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.
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.