See beyond the hazard map.
Write more profitable wildfire business with greater confidence. RedZone combines property-level wildfire intelligence with explainable scoring that helps underwriters identify opportunity, avoid uninsurable exposure, and make more informed decisions.
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Coverage across the United States and Canada.
RZRisk is available throughout the U.S. and in British Columbia and Alberta, with additional Canadian provinces coming soon.
Why insurers trust the intelligence.
RedZone has worked wildfire since 2002, as both a data company and a services company. Crews and analysts work real incidents, and what they see in the field validates the models behind every score.
Questions we get about identifying wildfire risk.
How do insurance companies identify properties exposed to wildfire?
Insurers combine wildfire hazard, property characteristics, surrounding vegetation, historical fire activity and geospatial exposure data to find the properties most likely to be affected. The strongest approach scores each address on its own rather than assigning a single value to a postcode or territory, because two homes on the same street can face very different outcomes depending on their roof, their vegetation and the terrain above them. RedZone produces that property-level view with RZRisk, and rolls it up across a book with RZExposure.
What data goes into a wildfire risk score?
Fuels, terrain, weather, structure characteristics and observed fire behavior. Fuels describe what can burn and how readily; terrain governs how fire moves, since fire accelerates uphill; weather drives spread and ember cast; and structure characteristics decide whether a building survives the embers that reach it. RedZone models 40 vegetation and fuel types and validates scores against the outcomes of real fires rather than simulation alone.
Can wildfire risk be assessed for a single address?
Yes. Property-level scoring is what separates modern wildfire analytics from the territory averages insurers relied on for years. Averaging across a region hides the variation that decides losses, and it prices a hardened home with clear defensible space the same as its neighbour with a wood-shake roof and vegetation to the wall.
Why do wildfire scores need to be explainable?
Because an insurer has to defend the decision, to a regulator, an agent or the policyholder. A score that cannot be explained is difficult to file, difficult to appeal and difficult to act on. RZRisk is built so every score can be shown and defended, with the drivers behind it visible rather than hidden in a black box.
See Wildfire Differently.
Whether you're underwriting new business, managing portfolio exposure, or preparing for wildfire season, RedZone helps insurers better understand, assess, and manage wildfire risk across the entire wildfire lifecycle.
