Parcel-Level Wildfire Underwriting Beyond Static Zone Maps
Legacy fire models penalize entire zip codes. Delphi-1.0 evaluates exact parcel micro-topography, 30-day ERA5 fuel moisture, 100-foot defensible space compliance, and statutory California CDI § 2644.9 credits to price profitable commercial E&S surplus lines books.
Precision Physical Wildfire Underwriting
Empirical physics-based rating replaces crude commercial redlining with transparent, actuarially defensible loss cost metrics.
ERA5 1000-Hour Fuel Dryness
Continuously updated 1000-hour dead fuel moisture (FMC) and vapor pressure deficit telemetry prevents underwriting during critical Santa Ana and Diablo wind ignition anomalies, surfacing localized burn susceptibility before regional wildfire outbreaks occur.
USGS 3DEP LiDAR Slope Physics
1-meter digital elevation models resolve micro-topography slope gradients and canyon wind funneling. Wildfire travels up to 4x faster upslope; Delphi-1.0 dynamically scales rate modifiers based on ridgeline exposure and downslope vegetation aspect.
California CDI § 2644.9 Credits
Full regulatory compliance with California Department of Insurance (CDI) Safer from Wildfires regulations. Automatically applies statutory credits for certified Class A non-combustible roofing, ember-resistant vents, and 30–100ft brush clearance buffer zones.
Tweedie Compound Poisson Severity
Compound Poisson-gamma loss estimation models zero-inflated catastrophe claims accurately. By decoupling zero-burn years from severe tail loss events (p=1.5), underwriters obtain rate adequacy without distorting the core commercial book.
Underwrite Wildfire In Sub-45ms API Calls
Integrate directly into your rating engine or policy management system (Applied Epic, Guidewire, Duck Creek) via our standard REST endpoints.
- Deterministic quote binding & rate breakdown
- 5-Mile radius PML accumulation checking
- Automatic audit logging & certificate PDF export
// Sample Wildfire Request Payload
{
"policy_id": "COMM_CA_NAPA_4882",
"location": { "latitude": 38.3047, "longitude": -122.2989 },
"tiv_usd": 4200000.0,
"distance_to_brush_ft": 180.0,
"clearance_score": 0.90,
"roof_type": "CLASS_A_TILE",
"ember_resistant_vents": true
}
// Actuarial Response Output
{
"status": "QUOTE_ACCEPTED",
"hazard_score": 0.384,
"base_rate_per_hundred": 0.42,
"cdi_mitigation_discount_pct": 18.5,
"final_annual_premium_usd": 14380.00,
"five_mile_cluster_pml_usd": 12400000.00,
"solvency_status": "WITHIN_TREATY_LIMITS"
}The Tripartite Underwriting Suite
Combine deterministic wildfire physics with high-resolution flood catchment modeling and automated 5-mile PML treaty solvency controls.
Wildfire Underwriting FAQs
Data sources, slope modeling, and California regulatory compliance.
Underwrite Commercial Wildfire With Real-Time Physics
Replace crude zip-code redlining with parcel-level thermal telemetry and automated California CDI § 2644.9 discount credits.