Wildfire Risk Insights

Insurers need a solution for wildfire risk management 

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Existing solutions focus on regional intelligence, not property level insight. 

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Data is fractured and siloed within different platforms, difficult to analyze or make decisions.

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Policyholders are unprotected or paying ever higher premiums.

Wildfire Risk Insights is the solution

• A 1-5 Wildfire Vulnerability Score quickly defines which properties need your attention. The lower the score, the worse the risk. The score uses AI-powered computer vision to analyze property-level perils within aerial imagery. Perils include defensible space, tree overhangs, roof debris, tarps, and distance between buildings.

• Regional-level Hazard: Combined with high-quality wildfire insights from partners such as RedZone and HazardHub for distance to fire stations, fire hydrants, historical wildfire events, and more, you see an actionable indicator of genuine wildfire risk on every property in your book.

• Get a complete picture of wildfire risk - Vulnerability scoring plus hazard risk empower you to make confident underwriting decisions, all from one platform.

Turn Your Agents and Underwriters into Heroes

When your agents and underwriters have the right insights, they can proactively work with policyholders at a higher risk of wildfire damage, recommending mitigation measures such as vegetation clearance, tree overhang, or roof debris removal, truly protecting homes and businesses.

We found two neighboring homes in our research on the 2020 River Fire. The first, with a Vulnerability Score of four and good defensible space, survived. With a Wildfire Vulnerability Score of two and no defensible space, a neighbor lost their home. What if the neighbor's insurance company could have stepped in and helped them save the property, avoid massive disruption, loss, and pain, and been the hero to help avoid this tragic event? You can be that hero.

Community-level Vulnerability

In addition to property-level vulnerability, community-level vulnerability is also a key layer of protection to prevent large scale wildfire damages and losses.

Wildfire Risk Insights provides datasets from the Firewise USA® recognition program, which requires communities to meet criteria for wildfire safety including home preparedness, creation of defensible space, vegetative fuel modification, participations in community-wide risk reduction projects, and more.

Community's Firewise USA recognition status shown in Wildfire Risk Insights

By showing the geospatial community boundaries and recognition status, you can see which properties are in designated Firewise USA sites from within the Betterview user interface (UI). Combining with property-level vulnerability and regional-level hazard, you now have a holistic view of wildfire risk so that you can make fast and efficient underwriting decisions and help protect your customers.

Check out this blog to learn more about our relationship with NFPA and how it adheres to California's pending "Safer from Wildfire" regulation!