Property Guardian

Active Wildfires
A view of Earth from space showing North America at night, with bright city lights and large red and orange areas indicating fires or heat, and a faint green aurora above the Arctic.

Solutions for

CAT Modeling & Reinsurance

Catastrophe teams need wildfire signals they can defend — without relying on black-box assumptions. Property Guardian combines transparent, property-level wildfire drivers with Overwatch, our always-on event-time intelligence layer, so CAT modelers and reinsurers can see how chronic risk and unfolding conditions translate to real exposure. The result is clearer inputs, clearer context, and more confident pricing, accumulation, and capital decisions.

Wildfire Clarity for Accumulation & Pricing

Improve confidence with defensible property-level signals + event-time visibility

Property Guardian supplies consistent property-level hazard, vulnerability, and mitigation attributes to strengthen wildfire inputs and support accumulation validation. Overwatch acts as an extension of your CAT team during live events — delivering situational awareness and model-agnostic decision support when conditions change fast or multiple events overlap. Together, they reduce manual data aggregation, improve stakeholder alignment, and support decisions that hold up under scrutiny.

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Property Guardian in Action
  • Clarifies chronic recurrence vs episodic exposure
  • Provides resilience and mitigation context
  • Supports situational awareness during active events
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Results You Can Measure
  • More defensible pricing and accumulation decisions
  • Stronger reinsurance negotiations
  • Faster, clearer event response and internal alignment

Susceptibility Scores by the Numbers

74.5 million

uniform land units analyzed nationwide — all 50 states, including Hawaii and Alaska

125 years

of wildfire history incorporated (1900-2025)

800+

fuel classes behind the patent-pending Recurrence model

Bi-weekly

refresh cycle to account for new wildfire activity

Recommended Products

Satellite view of the western United States showing thick smoke from wildfires drifting over California and into the Pacific Ocean, with parts of Oregon, Nevada, and Mexico also visible.

Susceptibility Scores

Our Wildfire Susceptibility Scores deliver four time-aware wildfire scores, anchored by our patent-pending Recurrence model, built for risk triage and risk optimization.

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A modern house sits untouched on a hilltop surrounded by scorched earth and burnt remains of other homes, with smoke rising in the background from a recent wildfire.

Resiliency Score

Our Wildfire Resiliency Score delivers a measure of wildfire resilience, with a curated, property-level assessment of how a structure is likely to perform in a wildfire event.

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Aerial view of a large wildfire engulfing a forested region, with thick smoke billowing into the sky. The flames are spreading across green terrain, leaving scorched earth in their path.

Overwatch

Overwatch continuously monitors active wildfires and alerts you when something truly matters — so you can act early, protect properties and preserve profitability.

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Supporting Products

Suburban houses are situated in a hilly area with a mountain in the background. A wildfire burns on the mountaintop, producing smoke that drifts toward the homes. The sky is hazy due to the smoke.

Moratorium Insights

Wildfire Moratorium Insights provide underwriting and CAT leaders a clear, science-backed view of where active wildfires actually threaten business, so they can apply moratoriums precisely.

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A wildfire risk report for 1001 Bolinas Rd, Fairfax, CA. It includes an overall score and various risk levels: structure, parcel, community, and region. Aerial imagery and location details are also shown.

Risk Insight Reports

A comprehensive, property-level view of wildfire risk — bringing exposure, potential severity, mitigation effectiveness, and suppression considerations together in a single, actionable report.

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Ready Strengthen Your Wildfire View?

Get transparent, property-level wildfire hazard, vulnerability, and mitigation inputs to support pricing, accumulation, and capital decisions.

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