Coming Soon
Canadian Wildfire Risk Intelligence
Canada’s wildfire risk is changing fast — our forthcoming Wildfire Risk Intelligence product delivers a holistic, property-level score built for insurers to strengthen underwriting, pricing, and portfolio decisions.
Decision-Grade Wildfire Risk Scoring
Grounded in Science and Built for Underwriting
Property Guardian’s forthcoming Wildfire Risk Intelligence product delivers underwriting-grade, property-level wildfire risk scoring for profitable decisions. Developed in partnership with Canadian firm, ApexRMS, a recognized leaders in wildfire risk science and modeling, the product integrates best-in-class wildfire research with insurance-ready analytics.
The model leverages Canadian wildfire behavior models and the latest 2024 fuels dataset, ensuring the risk signals reflect current vegetation conditions, fire dynamics, and loss drivers — not outdated assumptions or coarse regional averages.
By combining burn probability, fuels, fire intensity, spread dynamics, suppression difficulty, ember exposure, and urban conflagration potential, the product provides underwriters with a clear, explainable view of wildfire risk at the individual property level.
Risk Selection
Differentiate wildfire risk with property-level intelligence in exposed regions
Pricing
Improve pricing accuracy and segmentation with insurance-ready analytics
Underwriting
Enable defensible underwriting with clear, property-level risk drivers
Integration
Deploy flexibly via API, property lookups, and portfolio-level analysis
What Goes Into the Score
Multi-Dimensional Wildfire Risk Modeling
The score incorporates a comprehensive set of wildfire drivers, including:
- Burn Probability: Likelihood of wildfire occurrence
- Fuels: Vegetation type, load, and combustibility
- Median Fire Intensity: Expected energy release during fire events
- Rate of Speed: Speed at which fire is likely to advance
- Wildfire Hazard: Integrated hazard conditions at location
- Topography: Slope, elevation, and terrain influences
- Suppression Difficulty: Expected challenges in fire containment
- Wildland-Urban Interface (WUI): Proximity and interaction between structures and fuels
- Urban Conflagration Potential: Fire spread within built environments
- Weather & Wind: Climatic drivers that amplify risk
- Wildfire Recurrence: Frequency of historical fire activity
- Ember Fallout: Exposure to long-range ember transport
Together, these inputs produce a holistic view of wildfire risk, capturing both probability and severity, as well as the conditions that turn wildfires into loss events.
Built for the Decisions that Matter Most
Purpose-built wildfire intelligence that helps insurance leaders underwrite with confidence, manage accumulation, and support growth in exposed regions.
Underwriting Leaders
- Sharpen risk selection in wildfire-exposed regions
- Improve property-level segmentation and pricing
- Support decisions with explainable risk factors
Portfolio & Risk Leaders
- Gain clearer visibility into wildfire accumulation
- Strengthen appetite and capacity management
- Align underwriting insights with ERM views
Product & Strategy Leaders
- Enable growth in challenging wildfire markets
- Reduce reliance on blunt geographic controls
- Improve defensibility with regulators and reinsurers
Canadian Wildfire Risk Intelligence — Coming Soon
Our Canadian Wildfire Risk solution is coming soon — we’re currently finalizing model calibration and validation. If you’d like an early preview, connect with us today.
