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Insurance Solutions

Formerly Moody’s RMS

Overview of North America wildfire model

Moody's 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 Moody's 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

Moody's 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. 

Gain a single view of risk with wildfire risk modeling

Gain a Single View of Risk With Wildfire Risk Modeling

Tap into the Moody's 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.

Moody's 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.

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


Wildfire risk: Quantifying the impact of mitigation measures in the power sector

With the increase of frequency and severity of wildfires in California, Southern California Edison (SCE), a retail utility company that handles electrical distribution and transmission, is investing more in mitigating wildfire risk while trying to reduce the impact of shutdowns on customers.

In partnership with SCE, Moody’s utilized our North America Wildfire HD Model to assess where potential losses were most likely to be triggered and measure the impact of wildfire mitigation.

Learn More

Related products

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

risk modeler
Risk Modeler 2.0

Unlock insights and improve real-time decision-making with cloud risk modeling software.

Location Intelligence API

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

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