Property Guardian has partnered with catastrophe and climate risk analytics provider EigenRisk to embed its wildfire risk intelligence into EigenRisk’s EigenPrism platform for insurers and managing general agents (MGAs).
The partnership makes Property Guardian’s wildfire analytics available natively to commercial property underwriters and portfolio managers, aiming to help them assess wildfire-exposed properties more precisely, improve risk selection and manage portfolio exposure.
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The integration is intended to support insurers seeking growth in wildfire-prone markets while reducing loss ratio volatility and improving portfolio resilience over time.
Property Guardian said its Wildfire Recurrence Risk Score is designed to address gaps in traditional wildfire scoring models, which often focus on historical burn areas without accounting for how recently a site burned, changing fuel conditions or the likelihood that a specific property could survive a fire.
Property Guardian founder and CEO Pat Blandford said: “Wildfire risk cannot be managed with broad regional assumptions or static hazard scores alone.
“By bringing our forward-looking wildfire intelligence into EigenPrism, we are giving insurers and MGAs the tools to write more of the right risks, avoid more of the wrong ones, and build portfolios that hold up as wildfire conditions continue to evolve.”
The company said its model uses time-sensitive fire history and fuel dynamics to identify elevated risk that static scoring methods may miss.
It added that during the January 2025 Los Angeles wildfires, its scores flagged areas that later saw the highest levels of destruction two to three days before the fires arrived.
By integrating these signals into EigenPrism, underwriters can combine wildfire recurrence data with resiliency and mitigation information, alongside EigenRisk’s analytics tools, to gain a more detailed view of property-level wildfire exposure.
EigenRisk co-founder and president Deepak Badoni added: “At EigenRisk, we are committed to bringing catastrophe and climate risk data and analytics together in a single platform that gives underwriters what they need to take action with confidence.
“Property Guardian’s data in our platform gives underwriters the actionable analytics they need to confidently underwrite wildfire risk while also providing insureds with what they need most: protection.”
