Underwriting and Rating

FireLine

More than 4.5 million U.S. properties are at high to extreme risk for wildfire. The growing scope and severity of wildfire risk call for practical, innovative tools to help insurers manage their exposure.

Wildfire threat shows relentless growth

Wildfire risk analysis and mitigation are fast-growing priorities for insurers in states exposed to this peril. New regulatory measures are affecting property coverage rating in wildfire-prone areas. Heat, extreme droughts, and altered precipitation patterns push wildfire “seasons” to near year-round. And development in high-risk areas raises potential loss exposure.

Leading with science and technology

FireLine^® helps insurers effectively assess wildfire risk one property at a time with detailed, current information.

Manage wildfire risk at the address level

Location-specific environmental characteristics play a significant role in determining each property’s level of exposure to wildfire.

Build for safer tomorrows

Mitigation activities are critical to resiliency in the face of wildfire risk. Verisk delivers multifaceted analysis of these activities.

Respond to the latest regulation

Verisk provides tailored solutions to support insurers’ regulatory compliance efforts in California and other western states.

By sharing the data on these efforts with Verisk, we’ll be able to further promote the need for community and individual action to reduce risk.

Read the press release

Jim Pauley

National Fire Protection Association

President and CEO

This partnership will amplify the crucial importance of proactive mitigation efforts with insurers and open lines of communication between local fire departments and the communities they serve to better protect life and property in the event of a wildland fire.

Read the press release

Gary Ludwig

International Association of Fire Chiefs

President and Chairman

Helping insurers respond to wildfire regulation

From risk assessment to insurer rate filings, Verisk solutions can help insurers recognize mitigation measures taken by homeowners and businesses.

Read the press release

Helping insurers respond to wildfire regulation

Wildfires have increased dramatically during the past decade

More than 4.5 million U.S. properties are at high to extreme risk for wildfire, with over 2 million of these addresses in California.

Wildfires have increased dramatically during the past decade

Aerial View Of Neighborhood Affected By Fire

Features and capabilities

Location-specific analytics

Examine property-specific risk factors such as vegetative fuels, terrain/slope, and road access.

Property-level mitigation insights

Assess structure hardening efforts and defensible space around structures.

Community-level mitigation collaborations

Leverage Verisk’s work with multiple community-level mitigation programs and track participation.

Expansive coverage, updated frequently

Use FireLine to assess properties at high and extreme risk in the 13 most wildfire-prone states—with quarterly and annual model updates.

Deep analytics

Apply the results of a unique collaboration among insurers, the fire protection community, and scientific researchers using remote sensing and digital mapping.

Related resources

Stay in the know about important industry trends and innovative solutions.

Close up view of cracked, arid, orange-colored soil

White paper

Ice, Fire, Wind, and Water

Examine recent activity, trends, and data-driven tools that can help measure and mitigate risk surrounding destructive categories of hazards.

Download the white paper

Report

Verisk Wildfire Risk Analysis

The Verisk Wildfire Risk Analysis determined the number and percentage of properties at high and extreme risk from wildfire.

Download the report

Report

Building property risk profiles from a data ecosystem

As natural catastrophes grow in severity, so does the value of data ecosystems that provide a comprehensive view of property risk

Download the report

Infographic

Key perils to watch

Natural hazards are increasing in frequency and severity. Here are three key questions to ask when managing peril risk.

Download the infographic

Article

Wildfire: Insurers and communities adapt to an ever-growing threat

Wildfires have moved rapidly to the fore as an exposure for insurers to understand and manage in states at high risk for this peril.

Read the article

Article

How wildfire activity is affecting Northern California for the long haul

With the wine industry estimating over $3 billion in losses due to these fire events, the spotlight on wildfire risk in Northern California remains as acute as ever.

Read the article