Reduce risk beforewildfire strikes.
Reduce wildfire losses before they happen through property-level field inspections, mitigation guidance, and advanced exposure intelligence.
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Inspections where your book is most exposed.
RedZone field teams are operational across the highest-risk wildfire regions, with inspection capacity scheduled ahead of each fire season.
Mitigation verified on the property, not modeled from a desk.
RedZone crews inspect properties in person, then turn what they find into prioritized, property-specific guidance. When that guidance is followed the result shows up twice: in structures that survive, and in mitigation credit an insurer can apply across the whole book.
Up to 75%: UC Berkeley and Moody’s. Published research, not a RedZone measurement.
Questions we get about wildfire mitigation.
Does wildfire mitigation actually reduce losses?
Yes, and the effect is large. Published research puts the risk reduction at up to 75% when home hardening is paired with defensible space, rather than either on its own (UC Berkeley and Moody's). Mitigation does not make a property fireproof, but it removes the pathways — embers into vents, fuel against walls, ladder fuels into the canopy — that turn a passing fire into a total loss.
What is defensible space?
The managed area around a building where vegetation and combustible material are reduced so fire cannot carry directly to the structure. It is usually treated in zones working outward from the walls, with the first few feet mattering most, because that is where embers land and accumulate. Defensible space works best combined with home hardening; the two together are what the research measures.
What is home hardening?
Changing the building itself so it survives ember attack: roofing, vents, eaves, decking, windows and the immediate surrounds. Most homes lost in wildfire are not consumed by a wall of flame but ignited by embers landing on or in something vulnerable, often well ahead of the fire front. RZProtect inspections identify which of these apply to a specific property.
How can an insurer verify that mitigation work was actually done?
Through inspection and documentation rather than self-reporting. A field assessment records the conditions at the property, what was recommended and what has since changed, which gives underwriting evidence rather than an assertion. RedZone has completed thousands of property inspections, and the findings feed back into the risk score rather than sitting in a separate file.
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.
