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FireLine

Wildfire Risk 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

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.

Wildfire Risk Analysis

Wildfire Report Thumbnail

Verisk’s wildfire risk analysis determines the number and percentage of properties at high and extreme risk from wildfire in the 13 most wildfire-prone states and two Canadian provinces.*

*AB, AZ, BC, CA, CO, ID, MT, NV, NM, OK, OR, TX, UT, WA, and WY

Download the reports

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

Intterra and Western Fire Chiefs Association

The partnership brings together experts in insurance, technology, and fire protection. Intterra has worked with the WFCA for several years to develop the Fire Data Lab.

Read the press release

Wildfire Risk Insight

Fuel To The Flame White Paper

Managing wildfire risk has become an increasingly important challenge for many insurers, as the peril continues to grow in frequency, severity, and scope.

And, with long-term projections showing that this trend will likely continue, understanding research and data on mitigation activities at all levels is emerging as a key trend within the industry.

Download the white paper

Updates to ISO Rating Manuals and developments for policyholder notices

Fireline

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.

More than 4.5 million U.S. properties are at high to extreme risk for wildfire

A rising risk demands data that can keep up. The growing scope and severity of wildfire risk call for practical, innovative tools to help insurers manage their exposure.

Additional insights

Risk

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
Wildfire Wineries

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
Wildfire In July

What’s going on with fire? Taking measure of a growing peril

Verisk works with fire protection, scientific, and insurance community to provide technology to manage and mitigate wildfire risk.

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

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  • 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

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