Coming Soon
Canadian Wildfire Risk Score + Insights
Physics-based, property-level wildfire risk intelligence built for the Canadian Wildland-Urban Interface (WUI) — where the structures you insure actually sit. Every score is explainable, every driver is defensible.
Decision-Grade Wildfire Risk Scoring
No Black Box. Built for Underwriting.
Property Guardian’s Canadian Wildfire Risk Score + Insights deliver underwriting-grade, property-level wildfire risk scoring for profitable decisions.
Developed in partnership with ApexRMS, the product combines Canadian wildfire science with insurance-ready modeling. It is built on a 30-metre national fuels dataset, refreshed annually for burn scars, fuel growth, and land-use change, and runs 15,000+ Monte Carlo simulations per hex cell to model burn probability, fire intensity, and rate of spread.
The result: a peer-reviewed, patent-pending methodology that is explainable, defensible, and purpose-built for Canadian insurance.
Where Traditional Models Fall Short
The Risks You Insure Exist in the Wildland-Urban Interface (WUI)
Most wildfire models were built for wildland and forestry management, not to underwrite structures in the Canadian WUI. Generic models optimise for open-forest spread and miss exactly the elements that drive insured loss.
Built for Wildland, Not the WUI
Generic models focus on open-forest spread, not where insured structures meet fuel
Limited by Stale Fuel Data
Old or incomplete fuels data can distort a key driver of wildfire behavior
Too Coarse for Underwriting
Low-resolution models miss property-level differences that matter
Missing Critical Risk Drivers
Suppression difficulty, ember exposure, and conflagration risk are often left out
A Peek Behind the Score
Our Canadian Wildfire Risk Score + Insights include the community- and property-level factors generic models miss — exactly what makes risk legible in the Canadian WUI. Below are a few of the major factors we include.
Suppression Effort
How challenging suppression would be at a location — supports protection-class evaluation.
Burn Probability
Understand not just whether a property sits in wildfire territory, but how likely it is to actually burn.
Wildfire Recurrence
How frequently wildfire occurs in the area, including vegetation regrowth cycles.
Urban Conflagration
Potential for large-scale fire growth — methodology proven in our U.S. model.
Fire Intensity
Understand not just where fire may occur, but how destructively it could burn.
Ember Exposure
Downwind ember transport and spot-fire exposure beyond the fire perimeter.
One Score, Every Risk Driver
Beyond the composite 0–100 score, every property receives a breakdown of contributing risk drivers, each flagged as raising or lowering risk relative to baseline. Underwriters see not just the score, but why.
Each driver is delivered alongside the composite score, giving underwriters a defensible, explainable basis for every decision.
Pull just the signals you need to enrich an existing pricing or underwriting model. No rip-and-replace required. Drop any single driver into the score or model you already run.
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 portfolio-wide wildfire accumulation visibility
- 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
Flexible Delivery. Multiple Output Options.
API Integration
Real-time wildfire risk intelligence embedded directly into underwriting and loss control workflows
Property Guardian Direct
Instant property-level wildfire risk screening for fast, consistent underwriting and loss control decisions.
Bulk Analysis Services
Portfolio-wide wildfire risk analysis to support accumulation management, appetite setting, and strategic planning.
Canadian Wildfire Risk Score + Insights
Our Canadian Wildfire Risk Score + Insights is coming soon — we’re currently finalizing model calibration and validation. If you’d like an early preview, connect with us today.
