Property Guardian

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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 modelers and reinsurers 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 intelligence layer, so teams can see how unfolding conditions may impact 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 property-level signals & event-impact visibility

Property Guardian supplies consistent property-level hazard, vulnerability, and mitigation attributes to strengthen wildfire inputs and support accumulation validation. Overwatch adds real-time situational awareness — helping teams understand where active events and forecast conditions intersect with portfolio concentrations. Together, they enable more defensible pricing assumptions, more consistent portfolio comparisons, and capital decisions grounded in both underlying risk and evolving event impact.

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Property Guardian in Action
  • Clarifies chronic recurrence vs episodic exposure
  • Provides resilience context
  • Supports situational awareness during events
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Results You Can Measure
  • Stronger reinsurance negotiations
  • Better accumulation clarity
  • Improved alignment across stakeholders

Wildfire Recurrence Score By The Numbers

74.5 million

land units analyzed nationwide (25-acre resolution)

125 years

of wildfire history incorporated (1900-2025)

85% overlap

between models in the top 1% highest-risk areas

7 days

refresh cycle, with 4-8 hours to process full U.S. predictions

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.

Wildfire Recurrence Score

Our Wildfire Resiliency Score provides a clear, property-level indication on how frequently wildfire has occurred — and is likely to recur — at a given location.

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Wildfire Resiliency Score

Our Wildfire Resiliency Score provides 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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