Property Guardian, a wildfire risk intelligence company serving the insurance industry, has entered into a new channel partnership with EigenRisk, a provider of real-time catastrophe and climate risk analytics.
Under this collaboration, Property Guardian’s wildfire risk intelligence has been integrated directly into the EigenPrism platform, allowing commercial property underwriters and portfolio managers to assess wildfire-exposed markets with improved accuracy, strengthen risk selection, and develop more resilient portfolios over time.
Property Guardian states that wildfire risk cannot be effectively assessed using broad geographic assumptions or static hazard ratings alone. The company’s data is designed to provide underwriters with more practical, actionable insight to support informed decision-making in wildfire-exposed regions.
Conventional wildfire scoring systems typically show where fires have previously occurred, but do not reflect how recently an area burned, how vegetation and fuel conditions have changed since, or the likelihood of a property withstanding a fire event.
Property Guardian’s Wildfire Recurrence Risk Score is designed to address these gaps by incorporating time-sensitive fire history and evolving fuel conditions, highlighting risk patterns that static models may fail to capture. During the January 2025 Los Angeles wildfires, Property Guardian reports that its model identified areas of highest destruction two to three days before fire reached them, demonstrating the value of forward-looking wildfire intelligence in operational use.
By embedding these datasets within EigenRisk’s platform and combining them with its analytical capabilities, alongside Property Guardian’s resilience and mitigation insights, underwriters are provided with a more comprehensive view of wildfire exposure.
This supports better-informed underwriting decisions, including recognising properties where mitigation measures can materially reduce expected losses, avoiding accumulation in high-recurrence zones before it becomes a portfolio issue, and grounding risk selection in property-specific data rather than broad regional indicators.
Property Guardian and EigenRisk suggest this enables insurers and MGAs to underwrite more appropriate risks, reduce volatility in loss performance, and pursue growth in wildfire-exposed markets where appetite may otherwise be limited.
“Wildfire risk cannot be managed using broad regional assumptions or static hazard scores alone,” commented Pat Blandford, Founder and Chief Executive Officer of Property Guardian. “By bringing our forward-looking wildfire intelligence into EigenPrism, we’re 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.”
“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,” added Deepak Badoni, Co-founder and President of EigenRisk. “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.”
