Addresscloud, a UK geocoding and property intelligence expert, has adopted the high-resolution, pan-European wildfire risk model developed by Skyblu, an AI solutions provider.
Skyblu’s high-resolution new model delivers 20-metre resolution risk scoring across Europe, offering significantly greater granularity than traditional datasets.
This move comes as insurers prepare for another summer of elevated wildfire risk across Europe, with more than double the area burned in recent years compared to the early 2000s, putting pressure on insurers to improve risk selection and pricing.
The model is built using satellite observations from 2001–2023 and enriched with climate and vegetation data, it provides forward-looking wildfire probability insights for 2026–2030.
It covers territories across Europe, and is designed to help insurers identify emerging wildfire risk in regions not historically associated with fire exposure.
The model has been validated against real-world conditions, achieving strong predictive performance (AUC ~0.9), and incorporates key risk drivers including historical fire activity, weather patterns, and vegetation types.
Available through Addresscloud’s platform, the dataset is already being used to support insurers and MGAs with European portfolios, including those operating in France, Spain, and Poland.
The pair said that this partnership reflects growing demand for high-resolution climate intelligence in underwriting, with both companies already supporting wind and hail risk modelling in selected markets such as France and Spain, and planning a broader European rollout.
Mark Varley, Chief Executive Officer, Addresscloud, commented, “Wildfire risk in Europe is evolving quickly, and insurers are having to adapt to a much more dynamic and complex risk landscape. Access to precise, forward-looking data is becoming essential for underwriting and portfolio management. By combining Skyblu’s modelling expertise with our platform, we’re enabling insurers to assess risk at a far more granular level and make more informed decisions.”
Kinga Kita-Wojciechowska, CEO, Skyblu, added, “We built this model with real underwriting use cases in mind, focusing on both accuracy and usability. As climate patterns shift, insurers need to understand risk at a much more local level. High-resolution data allows them to identify emerging hotspots, manage exposure more effectively, and respond to changing conditions with greater confidence.”
