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 disaster and climate risk analytics.
Under this partnership, Property Guardian’s wildfire risk intelligence has been integrated directly into the EigenPrism platform, enabling commercial real estate underwriters and portfolio managers to more accurately assess wildfire-impacted markets, enhance risk selection, and develop more resilient portfolios over time.
Property Guardian points out that wildfire risk cannot be effectively assessed using only broad geographical assumptions or static hazard ratings. The company’s data is designed to provide underwriters with more practical, actionable insights to support informed decision-making in areas affected by wildfires.
Traditional wildfire scoring systems often show the locations of previous fires but do not reflect how recently the area burned, how vegetation and fuel conditions have changed since then, or the likelihood that a property will withstand fire.
Property Guardian’s Wildfire Recurrence Risk Score aims to address these gaps by incorporating time-sensitive fire history and changing fuel conditions, highlighting risk patterns that static models may not capture. During the Los Angeles wildfires in January 2025, Property Guardian reported that its model identified areas of greatest damage two to three days before the fire broke out, demonstrating the value of proactive wildfire intelligence for operational use.
By embedding these data sets into the EigenRisk platform and combining it with its analytics capabilities, coupled with Property Guardian’s resiliency and mitigation insights, underwriters can gain a more complete understanding of wildfire risk.
This supports more informed underwriting decisions, including identifying properties where mitigation measures can materially reduce expected losses, avoiding accumulation of capital in high-recurrence areas before they become a portfolio issue, and basing risk selection on property-specific data rather than broad regional metrics.
Property Guardian and EigenRisk said this allows insurers and MGAs to underwrite more appropriate risks, reduce the volatility of loss performance and pursue growth in wildfire-affected markets where appetite may otherwise be constrained.
“Wildfire risk cannot be managed using broad regional assumptions or static hazard scores alone,” commented Property Guardian founder and CEO Pat Blandford. “By bringing our forward-looking wildfire intelligence to EigenPrism, we are giving insurers and MGAs the tools to underwrite more of the right risks, avoid more of the wrong risks, and build portfolios that can handle as wildfire conditions evolve.”
“At EigenRisk, we are committed to bringing catastrophe and climate risk data and analytics into one platform to give underwriters the information they need to act with confidence,” added Deepak Badoni, co-founder and president of EigenRisk. “Property Guardian’s data on our platform provides underwriters with the actionable analytics they need to confidently underwrite wildfire risk, while also providing insureds with what they need most: protection.”
