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Wildfire risk suite

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 intelligence

Wildfire risk managed with precision

Eliminate guesswork with property-level wildfire insights. Our data-driven tools help you price accurately, balance portfolio concentrations, and accelerate underwriting workflows—minimizing unexpected losses while maximizing growth opportunities without the need for manual site visits.
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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.

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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.

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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.

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 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.

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.
New from Cotality

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?

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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.