A variety of factors influence a property’s wildfire exposure risk score. Vegetative features, such as fuel load, type, and alignment, and regional considerations, including topography, climate, and fire history, all contribute to the risk profile of an insured property. WDSrisk was created to utilize these wildfire risk elements to provide users with an easily-understood score. The proprietary WDSrisk algorithm is focused solely on interpreting wildfire risk - a unique approach when compared to big-data models that dominate the insurance industry - integrating location vulnerability with wildfire hazard potential to identify the probability of loss during a wildfire event. This probability is then associated with deviation categories for the state to better inform policy underwriting decisions.
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