5-Mile Radial Spatial Solvency Grid Delphi-1.0 Treaty CellsNIPR #4501603 (Conner Kupferberg)
Reinsurance Treaty Cells & Solvency Limits
Real-time radial PML capacity allocation, automated moratorium threshold tripwires, and surplus lines exposure gating across California hazard clusters.
Total Treaty Capacity Cap
$135.0M USD
6 Monitored Radial Grid Cells
Committed 1-in-100 PML
$82.40M USD
Aggregate 61.0% Capacity
Available Treaty Headroom
$52.60M USD
Underwriting Buffer Available
Moratorium Trigger Posture
1 Restricted
Automated rate surcharges in effect
CELL-NAPA-WUI-04
Napa Valley / St. Helena Radial Cell
Napa County, CA (38.50, -122.46)
PML Capacity Allocation87.2%
Committed: $21.80MCap: $25.0M
Active Policies4 In-Force Locations
Convective Quiet48h Verified Clear
CELL-MALIBU-CANYON-01
Malibu Coastal & Topanga Canyon Cell
Los Angeles County, CA (34.03, -118.68)
PML Capacity Allocation61.3%
Committed: $18.40MCap: $30.0M
Active Policies3 In-Force Locations
Convective Quiet72h Verified Clear
CELL-TAHOE-SIERRA-07
Lake Tahoe Basin & Donner Summit Cell
Placer & Nevada County, CA (39.28, -120.25)
PML Capacity Allocation73.0%
Committed: $14.60MCap: $20.0M
Active Policies2 In-Force Locations
Convective Quiet36h Verified Clear
CELL-SANTA-BARBARA-02
Montecito & Santa Ynez Foothill Cell
Santa Barbara County, CA (34.44, -119.64)
PML Capacity Allocation50.0%
Committed: $12.50MCap: $25.0M
Active Policies2 In-Force Locations
Convective Quiet60h Verified Clear
CELL-PENINSULA-WUI-01
San Mateo / Woodside Redwood Ridge Cell
San Mateo County, CA (37.41, -122.26)
PML Capacity Allocation31.0%
Committed: $6.20MCap: $20.0M
Active Policies1 In-Force Locations
Convective Quiet96h Verified Clear
CELL-BIG-SUR-COAST-03
Big Sur Coastal Ridge Cell
Monterey County, CA (36.24, -121.76)
PML Capacity Allocation59.3%
Committed: $8.90MCap: $15.0M
Active Policies1 In-Force Locations
Convective Quiet48h Verified Clear