Skip to Main Content


Wildfire Risk and Mitigation Analytics

New wildfire regulation reshapes insurance pricing in California

The California Department of Insurance has recently adopted a new wildfire regulation that impacts how personal and commercial property insurers operate in the state. To meet changing compliance needs, FireLine®, Verisk’s holistic wildfire risk assessment solution, was enhanced to address requirements of the regulation.

House Burning In Wildfire In California

Location-specific environmental risk factors

Including key hazard indicators such as fuel, slope, and access.

Aftermath Of A Wildfire In Neighborhood

Property-level mitigation efforts

Surrounding defensible space zones and structure hardening efforts.

Fire Burning Towards California Community

Community-level mitigation efforts

Powered by our partnerships with the NFPA and the California Fire Risk Reduction Communities.

From Risk Assessment to Insurer Rate Filings, Verisk Solutions Can Help Insurers Recognize Mitigation Measures Taken by Homeowners and Businesses

Wildfire Risk Analysis

Wildfire Risk Report
Wildfires continue to be a costly and potentially growing exposure for many insurers, resulting in billions of dollars in losses. Verisk’s Wildfire Risk Analysis Reports provide a high-level overview of wildfire risk across 13 western states.*
*AZ, CA, CO, ID, MT, NV, NM, OK, OR, TX, UT, WA, and WY
Download the reports

Manage wildfire risk at the address level

California Wildfires

Manage wildfire risk at the address level

FireLine® provides property-specific hazard scores based on the risk factors of fuel, slope, and access, and identifies risks exposed to wind-borne embers. Additional available insights include community-level mitigation information and historical wildfire activity.

Ice, Fire, Wind, and Water

Wildfire And Risk Mitigation Issue 2

This report examines recent activity, trends, and data-driven tools to help insurers and communities better measure and mitigate risk surrounding three especially destructive categories of hazards: Hail and severe thunderstorms, wildfires, and hurricanes.

Download now

Expanded collaborations towards wildfire mitigation

Verisk supports coordinated research and education to potentially reduce the scope and severity of wildfire losses. As part of this commitment, Verisk works in concert with community-level mitigation programs to track participation. Explore our latest alliances:

National Fire Protection Association

Verisk will leverage the data from the NFPA Firewise USA® recognition program to develop property-level analytics insurers can use to refine their underwriting.

Read the press release

International Association of Fire Chiefs

Verisk can now provide insurers with greater insight into mitigation efforts by indicating if a property is part of a community participating in the Ready, Set, Go! (RSG) Program.

Read the press release

Key perils to watch

Key Perils Icon

Natural hazards are increasing in frequency and severity. Insurers should ask themselves three key questions while managing peril risk across:

  • Hail and severe thunderstorm
  • Wildfire
  • Hurricane, flooding, and storm surge
Download the infographic

Updates to ISO Rating Manuals and developments for policyholder notices


Updates to ISO Rating Manuals and developments for policyholder notices

These efforts allows Verisk to stay connected with customers and address their concerns. The updates to ISO Rating Manuals, which will be filed this year, will give insurers a head-start on incorporating related rating credits for use with their insurance policies. Insurers will also be provided with advisory notices to policyholders concerning such credits.

Building property risk profiles from a data ecosystem

Building Property Risk 1

As wildfires and other natural catastrophes grow in frequency and severity, so does the value of data ecosystems to help insurers gain a comprehensive view of property risk, from address-level exposure to granular, up-to-date reconstruction cost estimates.

Download the full report

See how destruction aligns with risk

Wildfire Destruction

See how destruction aligns with risk

FireLine is extensively validated with post-event wildfire data. The tool is frequently updated to better reflect the latest risk landscape, drawing on our deep expertise in the science of wildfire trends and behavior.

Additional insights

Wildfire Risk Teaser

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
After Catastrophes

What happens after catastrophes? Protection in a time of loss

Despite mitigation measures, natural hazards may still cause damage, and insurers need actionable data to guide underwriting and pricing.

Read the article

Best practices for underwriting natural catastrophe risk

Taking into consideration the nuances of the property you’re insuring can help you take charge of multifaceted risk factors.

Read the article

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

  • Chat Now

    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489

You will soon be redirected to the 3E website. If the page has not redirected, please visit the 3E site here. Please visit our newsroom to learn more about this agreement: Verisk Announces Sale of 3E Business to New Mountain Capital.