Blog | Property Guardian

Tall redwood trees in a lush green forest, once threatened by wildfire, now stand resilient with sunlight streaming through the branches, creating a warm glow and lens flare near the forest floor.

Category: Blog

Fire Now Outpaces Drought, Insects, and Logging Combined in the West: Here Is What That Reset Means for Property Portfolios

Aerial view of a coastal town with clear blue water, waterfront buildings, and green hills in the background under a cloudy sky, the landscape untouched by wildfire.

Category: Blog

Three Years After Lahaina: What Hawaii’s Deadliest Fire Taught Us About Wildfire Risk

Modern building with large windows sits empty in a dry, grassy landscape, an area prone to wildfire, with mountains and pine trees in the background under a clear blue sky at sunset.

Category: Blog

Capital Is Coming Back to Wildfire Risk: What the Catastrophe Bond Boom Means for Commercial Property Teams

A modern building sits near a mountain landscape, while thick smoke and flames from a raging wildfire rise in the distance under a dramatic, cloudy sky.

Category: Blog

Colorado Wildfire Resiliency Code Is Now Live: Why Commercial Property Teams Should Read It as an Underwriting Signal

Aerial view of a suburban neighborhood with rows of houses, streets, and some hills in the background under a clear blue sky, showing an area that could be vulnerable to wildfire due to its proximity to natural landscapes.

Category: Blog

The Reinsurance Market Is Softening: Wildfire-Exposed Commercial Property Should Not Expect the Discount to Trickle Down

An empty parking lot and office buildings stand under an orange sky filled with thick smoke from a nearby wildfire, as flames burn across the hills in the background. Dry vegetation is visible in the foreground.

Category: Blog

The 2026 Drought Is Exposing a Business Interruption Coverage Gap Most Commercial Property Teams Haven’t Tested

Aerial view of a landscape divided by a road; one side lush and green with healthy trees, the other side scarred by wildfire—burned and brown with charred trees and a ruined building at the center of the scorched area.

Category: Blog

5 Signs Wildfire Insurance Is Moving Beyond the Risk Score

A modern gray commercial building sits next to a mostly empty parking lot, bordered by a winding road and a hillside covered in trees and dry grass—landscape vulnerable to wildfire—under a clear blue sky.

Category: Blog

The Two-Speed Wildfire Market Is Here: Why Policy-Level Underwriting Now Decides Who Gets Covered

Aerial view of a small mountain town with historic brick buildings, tree-lined streets, and colorful autumn foliage, surrounded by forested hills recovering from past wildfire and snow-capped peaks under a clear blue sky.

Category: Blog

Resilience Can’t Be Seasonal: Colorado’s New Wildfire Code and the Built-Environment Shift Underwriters Should Watch

A scenic view of a waterfront city with a wooden pier, houses, and tall buildings, set against a backdrop of a large snow-capped mountain under a clear sky recovering from recent wildfire.

Category: Blog

When the Score Is Wrong: Washington’s Fire-Rating Overhaul and the Hidden Variable in Your Wildfire Underwriting

Aerial view of a wildfire’s aftermath shows a burned forest with charred trees, smoldering ground, and small fires still burning, surrounded by unburned green trees on the edges. Smoke rises from several areas.

Category: Blog

The Models May Have Been Wrong: New Wildfire Science Is Rewriting Long-Term Risk Projections

Aerial view of a coastal area with winding roads, green hills touched by a recent wildfire, residential homes, and a sandy beach bordering the blue ocean under a clear sky.

Category: Blog

New Science Confirms Vegetation State Drives Wildfire Severity: Here’s What That Means for Commercial Property Risk Management