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 risk managed with precision
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.
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.
Cotality Wildfire: unified and comprehensive wildfire intelligence
Wildfire Risk Score
Independent Mitigation Information
Wildfire Conflagration Score
Cotality Wildfire Score
Wildfire Mitigation Score

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?
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.
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.
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Visit our dedicated support page to find support for all our products.