Our Unique Approach
Accuracy and predictability are essential to effective wildfire modeling. The standard method of underwriting policies based solely upon a single score creates enormous financial risk for insurers writing in wildfire-prone areas.
RZExposure is a risk-based wildfire modeling platform that takes the guesswork out of decision-making, allowing insurers to underwrite with confidence.
Severity Risk ScoresWe account for the traditional score based on factors such as wildfire frequency and history.
Frequency RatingRZExposure’s modeling quantifies how often wildfires are expected for a specific location.
Ember ModelingUnlike our competitors, our scoring includes the risk of a fire breaking containment via drifting embers and the projected path of those embers.
Structure-to-Structure Loss RiskWe look at the proximity of houses and structures in each zone and the projected financial risk of fire jumping from structure to structure.
Past Fire HistoryOur scoring includes the history of wildfires in an area — how they burn, how long it takes to achieve containment, average loss, etc.
Urban ConflagrationOur scoring uses fire shed analysis that incorporates the risk of a wildfire’s transition into urban areas, including structure-to-structure loss, ember scoring and accumulated risk.
Strategic Portfolio Management
Risk ZonesOur risk-correlated interactive zone map enables understanding and risk management of single events in specific areas.
Average Annual LossRZExposure will help you understand how much projected loss is expected in a specific area each year.
Probable Maximum LossOur risk-modeling can predict the maximum amount of loss projected for a specific area.
High-Resolution ModelingRZExposure applies a high-resolution probability map including a vulnerability module, at a 30m resolution giving you accuracy where it matters most.
Capacity ThresholdsRZExposure allows you to set capacity thresholds — managing the overall value and risk tolerance you are willing to accept — and triggers business rules as your portfolio grows.
Accumulated RiskOur platform provides a “big picture” look at how much an insurer stands to lose in different zones in the event of a catastrophic wildfire.
RZExposure leverages these factors to create a true, evidence-driven risk score that is uniquely tailored to wildland fire. With our platform, your team can make accurate determinations regarding: