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Overview of North America Wildfire Model

RMS Wildfire modeling accurately characterizes fires as they start and travel due to factors that drive ignition and spread, including wind and presence of vegetation. This helps insurers, reinsurers, governments, and financial institutions differentiate safe structures from dangerous ones, conduct risk assessments, estimate potential losses, accurately price fire risk, and optimize risk transfer.

Improve Portfolio Management

Use RMS wildfire models to monitor and manage risk accumulation for any portfolio, protecting from insolvency, stress testing potential losses, and identifying growth opportunities in today’s changing wildfire risk landscape.

Leverage Comparative Metrics

Our wildfire analytics provide industry-standard loss metrics similar to those available for other probabilistic models of perils to avoid surprises when looking at CAT bonds.

Protect Your Business

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

Changing the Wildfire Analytics Game

The North America Wildfire Model quantifies the location and severity of wildfire risk beyond simple techniques for better understanding of impacts.

Granular Parameter Data

RMS wildfire models provide ultra-realistic fire footprints that address surface fuel, topographic data, weather conditions moisture, and fire suppression. Explicit ember and smoke wildfire modeling simulations capture impact beyond the perimeter.

Smoke Damage

Wildfire analytics help quantify the relative contribution of burn and smoke for more relevant coverages, portfolio management decisions, and new product opportunities.

Ember Impact

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

Countrywide Coverage

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

Regional and Country Wildfire Models

Regional Models

Click a region on the interactive map to see coverage.
See Global Model coverage
Global Map
North America Wildfire
  • Canada

  • United States

North America
Latin America
North America Wildfire
  • Canada

  • United States

Gain a Single View of Risk With Wildfire Risk Modeling

Gain a Single View of Risk With Wildfire Risk Modeling

Tap into the RMS North America wildfire suite to optimize risk selection, improve underwriting profit, and reduce loss ratio. With more accurate wildfire insights, you have the perspective you need to enhance pricing accuracy, achieve a stronger competitive position, and outperform. From better risk selection to risk appropriate pricing, you have the power to apply risk appetite and quantify mitigation impacts for a more complete picture.

RMS wildfire modeling gives you an on-demand view of risk to help you make better business decisions and improve capital efficiency. Whether you are looking at the technical price of an individual exposure or return period losses for your entire portfolio, you’ll have the most complete view of wildfire risk in the market. And with HD resolution analytics and

the latest in building science integrated into the models, you can bring location-level risk mitigation into your development of new products.

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, loss potential, 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.


Canada Wildfire: Managing the Next Fort McMurray

On May 1, 2016, a small wildfire was spotted some 4 miles (7 kilometers) southwest of Fort McMurray. With a population of around 66,000, Fort McMurray is renowned in Canada as an oil production center, located within the vast Athabasca oil sands across northeastern Alberta. An estimated 1.7 trillion barrels (equivalent) of bitumen lie under 54,000 square miles (140,000 square kilometers) of forest and peat bog. Firefighters on the scene quickly acted to…

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…

Wildfire Ignition
Wildfire Ignition and Spread

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

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Find the Right Wildfire Models for Your Business

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