Wildfire Risk Maps
Wildfire hazard zones and historical burns — wildfire risk intelligence.
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What Is Wildfire Risk Maps?
Wildfire Risk Maps are spatial intelligence products that identify hazard zones, historical burn patterns, and forward-looking risk assessments for properties and infrastructure. These maps combine satellite imagery, historical fire data, climate modeling, and property-level analytics to quantify wildfire exposure. In 2025, more than 2.6 million homes across the Western United States face moderate or greater wildfire risk, with over 1 million homes in very high-risk zones. The market for wildfire analytics and software solutions is expanding rapidly as insurers, real estate firms, and government agencies demand real-time risk intelligence to support underwriting, property valuation, disaster planning, and resource allocation decisions.
Market Data
2.6 million
U.S. Homes at Moderate+ Risk
Source: Cotality
1 million+
Very High Risk Properties (Western US)
Source: Cotality
$1.3 trillion
Broader Market Context: Reconstruction Cost Value at Risk
Source: Cotality
9 million acres
2024 U.S. Acres Burned
Source: Visual Capitalist
18.5%
Climate Risk Analytics CAGR (2026–2033)
Source: Apiary
Who Uses This Data
What AI models do with it.do with it.
Property & Casualty Insurers
Use wildfire risk maps to assess policy exposure, set premiums, and make underwriting decisions. Private insurers have retreated from 46 of 58 California counties due to escalating risk, making risk mapping critical for market exit and portfolio management decisions.
Real Estate & Property Development
Integrate wildfire risk intelligence into property valuations, marketing, and due diligence. Risk maps help developers and agents disclose hazards, manage buyer expectations, and identify properties with declining marketability in high-risk zones.
Government & Emergency Management
Deploy wildfire risk maps for evacuation planning, critical infrastructure protection, and resource allocation. Government agencies use predictive models to optimize firefighting response and pre-position equipment in vulnerable Wildland-Urban Interface zones.
Financial Services & Mortgage Lenders
Use risk maps to evaluate forced-placed coverage requirements, assess loan portfolio risk, and predict delinquency trends as reconstruction costs and underinsurance spike in high-risk areas.
What Can You Earn?
What it's worth.worth.
Enterprise Risk Intelligence Feeds
Varies
Pricing depends on licensing scope (regional vs. national), update frequency (real-time vs. quarterly), and client type (insurer vs. broker vs. government). Bulk licensing to large insurers and real estate platforms commands premium rates.
Property-Level Risk Scoring
Varies
Per-property risk assessments sold via API, bulk download, or embedded portal. Pricing scales with transaction volume and data refresh cycles.
Satellite & GIS Data Licensing
Varies
Raw historical burn data, current hazard layers, and predictive models sold to software vendors, consultancies, and research institutions. Licensing models include one-time purchase and recurring subscriptions.
SaaS Analytics Platforms
Varies
Risk assessment software (wildfire modeling, resource optimization) commands recurring subscription fees. Global Wildland Fire Software market expected to reach $850 million by 2025.
What Buyers Expect
What makes it valuable.valuable.
Spatial Accuracy & Coverage
Maps must pinpoint hazard zones at parcel, neighborhood, and county levels. High-risk zones demand sub-parcel precision. Coverage must include historical burn perimeters (20+ years), current hazard layers, and vegetation/topography inputs.
Real-Time & Predictive Analytics
Buyers expect frequent updates reflecting seasonal risk changes, drought conditions, and climate modeling. Predictive models must incorporate AI, machine learning, and satellite imagery to forecast future burn probability and intensity.
Cross-Sector Validation
Data must align with authoritative sources (National Interagency Fire Center, state forestry agencies, USGS, Intergovernmental Panel on Climate Change models). Third-party validation strengthens credibility for insurance and lending use cases.
Integration & API Readiness
Buyers integrate risk maps into underwriting platforms, customer portals, and loan origination systems. APIs, bulk downloads, and standardized GIS formats are essential. Data must plug seamlessly into insurance and real estate workflows.
Reconstruction Cost & Loss Quantification
Risk scores alone are insufficient; buyers expect financial impact estimates. Data should include probable maximum loss, underinsurance gaps, and cost inflation factors tied to labor and material availability in post-fire recovery zones.
Companies Active Here
Who's buying.buying.
Underwriting, non-renewal decisions, and portfolio management in high-risk counties. FAIR Plan enrollment has grown 165% in four years as private insurers exit wildfire-prone zones.
Property risk scoring, neighborhood risk profiles, and hazard disclosure. Risk maps are embedded in listing pages and buyer decision tools.
Property data and wildfire risk analytics provider. Published 2025 report identifying 2.6 million homes in moderate+ risk and $1.3 trillion reconstruction exposure.
Evacuation planning, critical infrastructure protection, and resource allocation in Wildland-Urban Interface zones.
Portfolio risk assessment and loss forecasting. Munich Re and other global reinsurers use wildfire risk intelligence to price exposure and model tail risk.
FAQ
Common questions.questions.
How much of the U.S. is exposed to wildfire risk?
More than 2.6 million homes across the Western United States face moderate or greater wildfire risk, representing $1.3 trillion in combined reconstruction costs. Over 1 million of those homes face very high risk. In 2024, nearly 9 million acres burned in the U.S., far exceeding the 40-year average of approximately 5 million acres.
Why are insurers retreating from high-risk wildfire areas?
Private insurers cannot charge premiums high enough to cover escalating wildfire losses. In California, insurers have exited 46 of 58 counties and contracted their homeowners policies by 28% from 2020 to 2023. Over 150,000 households in extreme-risk California zones have lost private coverage since 2019, forcing reliance on FAIR Plans.
What data do wildfire risk maps typically include?
Wildfire risk maps combine historical burn perimeters (20+ years), current hazard zones, vegetation and topography data, satellite imagery, climate models, and property-level reconstruction costs. Advanced maps incorporate AI and machine learning to predict future burn probability and incorporate underinsurance metrics.
What is the market size and growth outlook for wildfire risk analytics?
The Climate Risk Analytics Market (of which wildfire risk is a key segment) was valued at $1.25 billion in 2026 and is projected to reach $4.05 billion by 2033, growing at 18.5% CAGR. The global Wildland Fire Software market alone is expected to reach $850 million by 2025, growing at 15.2% CAGR through 2033.
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