Geosapiens

Wildfire Model

Make wildfire risk easier to underwrite, price, and manage. Bring a clearer, more consistent view of wildfire susceptibility into property and portfolio decisions. Use a consistent hazard score to compare locations, add more physical-risk context to pricing, and see where wildfire exposure is concentrating across your book.

Wildfire drivers

Build a more complete view of wildfire exposure.

No single factor tells the whole wildfire story. Geosapiens brings together the conditions that influence ignition and spread so you can see susceptibility differences across locations.

Climate

See how climate conditions shape wildfire susceptibility.

Account for temperature, precipitation, and other climate patterns that contribute to fire-prone conditions.

Vegetation & fuel

Account for what is available to burn.

Consider forest, vegetation, land cover, and fuel conditions that influence wildfire susceptibility.

Terrain & geography

Bring the landscape into the risk view.

Include topography and geographic conditions that can influence how wildfire develops and spreads.

Human factors

Include the human influence on wildfire risk.

Consider roads, communities, and other human factors that can affect both ignition and suppression.

Turn complex wildfire conditions into one comparable score.

Use a standardized 1–10 hazard score to compare wildfire susceptibility consistently across locations, and see where higher wildfire risks are accumulating across the portfolio.

Insurance decisions

Make wildfire exposure actionable across your book.

Use wildfire susceptibility at the property and portfolio level to inform risk selection, pricing, and concentration management.

Underwriting

See the hazard before you bind.

Add wildfire susceptibility to the risk picture before deciding whether to accept, refer, condition, or decline.

Pricing & actuarial

Price with more than a regional assumption.

Compare susceptibility across locations to support more informed segmentation and pricing decisions.

Portfolio risk

Spot concentration in higher-susceptibility areas.

See where wildfire exposure is accumulating so teams can review appetite, capacity, and renewal strategy.

The science behind the models

Ground wildfire decisions in science and real-world evidence.

Wildfire exposure can change what you write, how you price, and where you take on risk. The model informing those decisions needs to earn your teams’ confidence.

An explainable AI-driven model trained on 70+ wildfire drivers.

Bring climatic, environmental, geographic, and human factors together in an explainable machine learning framework to assess wildfire susceptibility. Rather than producing a black-box score, the model reveals the factors contributing to risk, helping insurers understand, validate, and defend underwriting and portfolio decisions.

Validated against real wildfire events.

Use historical fire occurrence and remote-sensing burn records to calibrate and test the model against observed wildfire patterns.

Supported by the experts behind the model.

Work with Geosapiens experts to interpret results, review assumptions, investigate edge cases, and understand model updates.

Get a clearer view of wildfire exposure across your book.

Bring a property, a set of locations, or a portfolio sample. We’ll walk through the wildfire results and show how they can support the decisions your team needs to make.