New analysis from Property Guardian shows what drives wildfire exposure, what drives structure survival, and how underwriting and portfolio teams can act with more confidence.

Property Guardian’s latest Wildfire Resiliency Score white paper helps answer two critical questions for underwriting and portfolio teams: Will wildfire reach this property, and if it does, how likely is it to survive?

The findings point to a clearer, more actionable view of wildfire risk. Exposure is driven primarily by community- and region-level conditions, while survivability is driven primarily by parcel-level characteristics like defensible space, vegetation, and immediate surroundings. That distinction gives insurers a more defensible way to evaluate risk, improve geographic selection, support pricing decisions, and prioritize mitigation. 

In the study, high-risk properties were about 3x more likely to be impacted than moderate-risk properties, while worsening parcel conditions were strongly associated with higher odds of destruction once a property was exposed. 

---

Get the concise overview of the white paper, including key findings, methodology highlights, and what the results mean for underwriting and portfolio decision-making.