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Overview of Wildfire Model

Accurately characterize fires as they start and travel in real life to help insurers, reinsurers, governments, and financial institutions differentiate safe structures from dangerous ones, accurately price fire risk, and optimize risk transfer.

Improve Portfolio Management

Monitor and manage risk accumulation for any portfolio, protecting from insolvency, and identifying growth opportunities in today’s changing wildfire risk landscape.

Comparative Metrics

Find industry-standard loss metrics similar to those available for other modeled perils to avoid surprises when looking at CAT bonds.

Corporate Risk Mitigation

Benchmark wildfire risk to your business, calculate the benefits of mitigation actions and understand the wider financial implications.

Changing the Analytics Game

The U.S. Wildfire HD Model quantifies the location and severity of wildfire risk beyond simple techniques for better understanding of impacts.

Granular Parameter Data

Ultra-realistic fire footprints address surface fuels, topography, weather conditions moisture, and fire suppression. Explicit ember and smoke simulations capture impact beyond the perimeter.

Smoke Damage

Quantify the relative contribution of burn and smoke for more relevant coverages and present new product opportunities.

Ember Impact

Gain complete perspective of ember contribution, spatial coverage, and distribution of the hazard, particularly in house-to-house urban conflagrations.

Countrywide Coverage

Includes 48 contiguous U.S. states with over 50,000 simulated years in an effort to ensure data, calibration, and scope address market gaps. 

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Related Products

The RMS wildfire model and related data are included in several RMS products – each tailored to serve different use cases.


Assess a location’s risk to multiple perils and key third-party insights in seconds with this application.

risk modeler
Risk Modeler 2.0

Leverage structure-based modeling and analytical tools, including intelligent model processing and big data query capabilities.

Location Intelligence API

Gain better underwriting perspective with instant access to the world’s best catastrophe insights.


U.S. Wildfire
Press Release
RMS Releases U.S. Wildfire High-Definition Model To Empower (Re)insurers To Address Pervasive Wildfire Risk

NEWARK, Calif. - February 14, 2019  RMS, the world’s leading risk modeling and analytics firm, announces the release of the RMS U.S. Wildfire High Definition (HD) Model, the most comprehensive solution available for addressing wildfire risk across the Contiguous United States (48 States). Since 2014, devastating wildfires have unleashed more than USD $30 billion in claims and five of the 10 most destructive wildfires ever have occurred in the 2017 and…

Keeping Up With a Changing Wildfire Peril

This causes and spread of wildfire leading to record losses

Wildfire Ignition
Wildfire Ignition and Spread

RMS U.S. Wildfire HD Model captures the full spectrum of complex threat.

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